topic Local CU did a HP. in General Credit Topics

Local CU did a HP.

Anonymous — Mon, 16 Apr 2018 22:46:15 GMT

I had an account with a local CU from 3 years ago. It was a joint account. Nobody applied for anything or did anything different there but there is an HP on my report from this year that I am hoping that I can dispute.

I want my name off the account. Do I take it off before or after the dispute?

Re: Local CU did a HP.

DaveInAZ — Mon, 16 Apr 2018 23:39:52 GMT

After the dispute. But contact the CU asap, the other person on the joint account could have applied for credit jointly, so you both got a HP and the credit account would be in both your names.

Re: Local CU did a HP.

RobertEG — Mon, 16 Apr 2018 23:41:35 GMT

I assume that the account is still active, and that you are still named as a party on the account?

If so, it is likely a coding error, in that the pull was likely an internal account review that, if properly coded, should have been soft per CRA policy.

Re: Local CU did a HP.

Anonymous — Tue, 17 Apr 2018 01:36:06 GMT

I had a hard pull last year from a credit union when I wanted to open a checking account. Dumb thing is, I never openned the account because I could never get a hold of the service agent who was to set it up.

Hard pull for nothing at all. =(