topic Re: Unauthorized hard pull by Blispay on Experian several months after opening account in General Credit Topics

Unauthorized hard pull by Blispay on Experian several months after opening account

cinnamongirl — Mon, 01 May 2017 17:09:52 GMT

I just noticed that Blispay did a HP on my Experian report on March 11. I opened this Account last fall and have never contacted for a credit limit increase or for any other reason. Can I fight this? I notice that when trying to dispute it doesn't give you the option to say it was not authorized, just random.

Has anyone experience this? Does anyone have any advice?

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

-Cal- — Mon, 01 May 2017 17:18:16 GMT

Are you sure it's a HP? You could try to fight it, but by you having a relationship with them they have permissible purpose to pull your credit report for any kind of account review. This pull can be a SP or a HP.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

joltdude — Mon, 01 May 2017 19:38:53 GMT

If it is a hp, since you have an account Blispay has implied consent to hp.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

HeavenOhio — Mon, 01 May 2017 19:41:39 GMT

They probably don't know how to do soft pulls.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

Anonymous — Mon, 01 May 2017 19:41:56 GMT

Ask them to raise your limit since they already ran it!

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

Anonymous — Mon, 01 May 2017 20:12:12 GMT

That's interesting! Wonder if this is how blispay is going to do business. A hp on cardholders every quarter? That would tick some people off.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

happypill — Mon, 01 May 2017 20:14:28 GMT

@joltdude wrote:
If it is a hp, since you have an account Blispay has implied consent to hp.

Is that true? I thought that lenders had consent to SP but had to get your consent each time they HP (for example, Citi will tel you if your CLI request will be a HP or just based on internal data).

If that is true, then I think this is the first time I've ever heard of a lender doing this; and for me at least, any lender that HP without my consent will be permanently BL by me for anything!

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

HeavenOhio — Mon, 01 May 2017 20:36:48 GMT

It's necessary to have "permissible purpose" to do either kind of pull.

Generally, hard pulls are done when consumers are seeking credit or some kind of service where their payment habits are relevant. Nobody was seeking credit in the OP's situation. I'd call and question it.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

heyryan — Mon, 01 May 2017 22:43:42 GMT

15 U.S. Code § 1681b - Permissible purposes of consumer reports
(a) In general: Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
   (3)To a person which it has reason to believe—
   (A)intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;
   (F)otherwise has a legitimate business need for the information—
   (i)in connection with a business transaction that is initiated by the consumer; or
   (ii)to review an account to determine whether the consumer continues to meet the terms of the account.

Yes they have permissable purpose.

Comenity has a nasty habit of doing a HP on someone before they take AA.

Both policies kinda suck IMO, but they didn't do anything "wrong" :\

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

Anonymous — Mon, 01 May 2017 23:57:21 GMT

Hope OP calls to find out why this happened.

If it's not by the customer's request, it puts a hard red strikeout through Blispay for me in the future.

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

cinnamongirl — Tue, 02 May 2017 04:46:26 GMT

Thanks everyone for your input! I'm calling Blispay AND Experian tomorrow

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

Creditplz — Tue, 02 May 2017 06:04:33 GMT

Glad I got rid of this card a few months back... absolutely the WORST unknowleged CS I've ever dealt with, I had fraud on my card and they didn't even shut the card off and allowed more fraud charges even after I called, then they insisted I was liable, only agreed to remove the charges if we could come to the mutual agreement that we would close the card!!

Easy choice

Re: Unauthorized hard pull by Blispay on Experian several months after opening account

RobertEG — Tue, 02 May 2017 17:36:56 GMT

The issue is not whether they have permissible purpose, or that the inquiry was unauthorized.

The issue is simply one of coding.

A current creditor has permissible purpose to obtain the credit report of their customers.

A party who requests a credit report must provide a statement of their permissible puprpose to the CRA.

The inquiry is then coded based on the stated permissible purpose.

Internal account reviews are, per CRA policy, provided a code that blocks the inquiry from being shown in credit reports they provide to others (i.e., it is coded as "soft").

The issue is simply improper coding of the inquiry if it appears in credit reports provided to others.

I would begin by contacting the CRA and requesting review of the coding. Either the creditor provided an improper code or statement of permissible purpose, or else the CRA improperly entered the appropriate code. I would not pursue as an unauthorized or improper inquiry, but as an incorrect administrative coding.