If you are worried about interest rates on future trade lines (presumably mortgage since a CC is wtfever with PIF) why are you applying for anything?
Priorities
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Priorities
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Ridiculous would be taking something obviously out of context: utilization has nothing to do with inquiries when it comes to FICO scoring, period.
I didn’t mean to be disrespectful and I apologize if I came across as such but your response was unwarranted... and FWIW compared to many I know plenty when it comes to not only credit scoring but underwriting... and no kidding CSR’s rarely know full actual information: there are lenders out there that do that by design given internal fraud risks.
I didn’t mean to be disrespectful and I apologize if I came across as such but your response was unwarranted... and FWIW compared to many I know plenty when it comes to not only credit scoring but underwriting... and no kidding CSR’s rarely know full actual information: there are lenders out there that do that by design given internal fraud risks.
@Strogen wrote:
@Anonymous wrote:
@Strogen wrote:........Regardless of her being able to find the recording she will submit an investigation to their internal team and they will hopefully delete the hard inquiry.
I believe you have a better shot at removing that inquiry by flooring a DeLorean to 88mph. I've been in a similar situation with Discover two years ago; they never removed the inquiry.
It seems the stars have aligned! I received a letter yesterday stating they would not be removing the inquiry as it was the result of a "declined application" (duh...).
I called in and was transferred to that department, he said he spoke with his manager about it and they would remove the INQ if they could locate the phone call recording where the rep told me I would NOT be denied for already having 2 accounts with them. The issue before was that they could not locate that phone call, as it had occured in a way that it did not show up under either account number. This time they would seach using my phone number.
They called back today and said they would remove the inquiry, they will also send a letter stating as much. Should take about 30 days.
Its hard to believe but Discover owned up to it. I doubt many other credit card companies would do the same. I will certainly be keeping both my cards open indefinitely. Very good customer service.
Thank you for posting your experience with Discover on personal and business. Now I know I won't be having the business card on my future list since I just got my 2nd personal. And I'm glad to hear that they will be removing the INQ from your file.
@Strogen wrote:
@macinjosh wrote:
@Strogen wrote:
@Anonymous wrote:
@Strogen wrote:........Regardless of her being able to find the recording she will submit an investigation to their internal team and they will hopefully delete the hard inquiry.
I believe you have a better shot at removing that inquiry by flooring a DeLorean to 88mph. I've been in a similar situation with Discover two years ago; they never removed the inquiry.
It seems the stars have aligned! I received a letter yesterday stating they would not be removing the inquiry as it was the result of a "declined application" (duh...).
I called in and was transferred to that department, he said he spoke with his manager about it and they would remove the INQ if they could locate the phone call recording where the rep told me I would NOT be denied for already having 2 accounts with them. The issue before was that they could not locate that phone call, as it had occured in a way that it did not show up under either account number. This time they would seach using my phone number.
They called back today and said they would remove the inquiry, they will also send a letter stating as much. Should take about 30 days.
Its hard to believe but Discover owned up to it. I doubt many other credit card companies would do the same. I will certainly be keeping both my cards open indefinitely. Very good customer service.
Thank you for posting your experience with Discover on personal and business. Now I know I won't be having the business card on my future list since I just got my 2nd personal. And I'm glad to hear that they will be removing the INQ from your file.
I did finally get a letter confirming the deletion, but the inq still shows on my Experian report. However it did show up Deleted on Jan 25th on my Equifax report.
Hell.... I guess ill take it. I had more inquiries on the Equi report anyway.
Wow, EQ is my lowest number of Inquiries. I only have 4 there. Can’t find a card who will look at EQ for me.
Even though it reports to personal I may pick it up just for credit building purposes: allegedly reports to EX/EQ business both and also D&B, just missing SBFE.
I don’t know what business credit bureaus routinely get pulled but out of the major issuer credit cards Chase is the only other that reports to EQ Biz on the list that I googled.
Admittedly I expect to wind up with 2 Chase cards longer term for the new business but it’s sort of lame that business account reporting is basically where consumer was two decades ago
.
I don’t know what business credit bureaus routinely get pulled but out of the major issuer credit cards Chase is the only other that reports to EQ Biz on the list that I googled.
Admittedly I expect to wind up with 2 Chase cards longer term for the new business but it’s sort of lame that business account reporting is basically where consumer was two decades ago
.