topic Re: Hard inquiry from my current credit card... in General Credit Topics

Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 21:53:00 GMT

Hello everyone

I have had my nordstrom visa credit card since september of 2019. I noticed they did a hard inquiry of my credit report on April 15 2020. When I called and inquired why they said they can do hard inquiry anytime without my consent anytime as I am a current cardholder with them.

Is this legit ? Are they allowed to do hard pull without my consent anytime they want?

Thank in advance for your help

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:03:57 GMT

@Anonymous wrote:
Hello everyone
I have had my nordstrom visa credit card since september of 2019. I noticed they did a hard inquiry of my credit report on April 15 2020. When I called and inquired why they said they can do hard inquiry anytime without my consent anytime as I am a current cardholder with them.
Is this legit ? Are they allowed to do hard pull without my consent anytime they want?

Thank in advance for your help

I'm pretty sure they're only allowed to do soft pulls without consent and hard pulls require consent. Unless there was something in the contract u signed authorizing them to do so but even then it seems fishy.

Re: Hard inquiry from my current credit card...

Rudy1 — Wed, 22 Apr 2020 22:04:39 GMT

Look at your credit card aggrement it should say something about this because when you apply and if something in that aggreemnt says we can pull your credit I think they can if I am correct. I just keep my reports frozen. Though my mortgage company did this once and I sent a letter to them and got it removed.

Re: Hard inquiry from my current credit card...

Trudy — Wed, 22 Apr 2020 22:12:02 GMT

No. Are you sure it was a hard pull? Did you request a CLI? Some do a hard pull.

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:12:02 GMT

Thanks for your reply.

There is nothing in the agreement and they are referring me to FCRA regulations but failing to say which exact regulation.

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:13:29 GMT

No I didnt request anything at all havent even contacted them

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:17:55 GMT

It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.

Re: Hard inquiry from my current credit card...

Trudy — Wed, 22 Apr 2020 22:30:28 GMT

@Anonymous wrote:
It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.

Let's hope RobertEG steps in as he's the FCRA Guru. I did find this post from him a few years back.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Getting-TU-Inquiry-Removed/m-p/4909258#M241779

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:38:18 GMT

Thank you

@Trudy wrote:
@Anonymous wrote:
It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.
Let's hope RobertEG steps in as he's the FCRA Guru. I did find this post from him a few years back.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Getting-TU-Inquiry-Removed/m-p/4909258#M241779

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 22:43:31 GMT

Update.

Looks like as of April 22nd they closed my account. ( which I guess is for high balance in my other cards)

I know i cant do anything about closure but i really need this inquiry to go away especially if it isnt legit.

Re: Hard inquiry from my current credit card...

Brian_Earl_Spilner — Wed, 22 Apr 2020 22:53:31 GMT

Yes, they can access your reports whenever they want, but a HP is for a consumer's request for more credit. I would call back and speak to someone else. If they say the same, escalate it.

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 23:08:38 GMT

I 100% agree with you and I thought the same , what she is saying is that there is a certain fcra that allows them to do it without my consent and she is failing to be more certain exactly which regulation is that. Very frustrating...

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 23:16:46 GMT

@Anonymous wrote:
Update.
Looks like as of April 22nd they closed my account. ( which I guess is for high balance in my other cards)
I know i cant do anything about closure but i really need this inquiry to go away especially if it isnt legit.

Hopefully you'll get a response from RobertEG soon but if you're carrying high balances on your other accounts which led to closure of a relatively new Nordstrom account, I reckon you have larger problems than just a hard inquiry. What are the utilization percentages on your other cards?

Re: Hard inquiry from my current credit card...

Anonymous — Wed, 22 Apr 2020 23:51:39 GMT

I have 76% credit card usage , which is mainly on one high limit card which is paid off it's just not in a report yet. Other than than I have nothing bad no collections or late payments . 100% good payment history.

Again closure is not so much of a concern it's the hard inquiry that needs to be gone

Re: Hard inquiry from my current credit card...

Brian_Earl_Spilner — Thu, 23 Apr 2020 00:34:56 GMT

@RobertEG needs to be tagged to know his presence has been requested

Re: Hard inquiry from my current credit card...

blindambition — Thu, 23 Apr 2020 00:43:37 GMT

@Brian_Earl_Spilner wrote:
@RobertEG needs to be tagged to know his presence has been requested

I'm curious on what Robert says. I'm not sure what precedent they feel it's Permissible Purpose.

Re: Hard inquiry from my current credit card...

Remedios — Thu, 23 Apr 2020 00:46:37 GMT

I really see no permissible purpose there.

ARs are done via SP, if they weren't we'd have a monthly HP from each creditor.

You should try again with Nordstrom's, and if that doesn't work, file a complaint as inquiries cannot be disputed unless fraud is suspected

Re: Hard inquiry from my current credit card...

RobertEG — Thu, 23 Apr 2020 06:29:45 GMT

FCRA 604 provides permissible purpose for a creditor to pull a consumer's credit report IF the consumer has initiated a request for credit. They are coded as hard uness otherwise instrucrtted by the creditor to code as soft..

FCRA 604 also permits a creditor to pull a consumer's credit report if the consumer has an active account with the creditor. The CRAs have a policy of coding internal account review inquires as soft pulls, and thus they are not seen on credit reports they provide to other parties.

They can be found on reports obtained via annualcreditreport.com, as that site is only for consumers to view their own credit reports, and can thus show soft inquiries.