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2 hard pulls, same CC, same day

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Regular Contributor

2 hard pulls, same CC, same day

I applied for a credit card and was instant approved.  Then looked at my CR two days later and that CC company pulled my Experian report twice that day, causing a FICO decrease twice as well.  Can one be removed?  Do I call the CC company?  or would I have to dispute this with credit bureau.? 

Message 1 of 7
6 REPLIES 6
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Community Leader
Valued Contributor

Re: 2 hard pulls, same CC, same day

I would call the card company.  Did you join a credit union and then applied for a credit card?  If so then the 2 pulls may make sense.

 FICO 8
Message 2 of 7
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Regular Contributor

Re: 2 hard pulls, same CC, same day

No credit union.  Applied directly with them.  Thanks!  I'll call them tomorrow


@Overmedicated wrote:

I would call the card company.  Did you join a credit union and then applied for a credit card?  If so then the 2 pulls may make sense.


 

Message 3 of 7
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New Contributor

Re: 2 hard pulls, same CC, same day

Certain banks, like Branch Banking & Trust will pull two Equifax CB's. This will also happen if their computer can't make a decision and Bank Card Services has to evaluate the report. Sadly, theres nothing you can do about it . It's well within their rights when you request a credit account with them. Kind of like how capital one pulls all three. But, on rare occassions, they've only pulled 2 for me. 

 

It's the price of credit with some banks. 

BK Discharged 11/16 Medical Debt & CC Debt due to Medical Debt
Current Cards As of 11/6/2020: Capital One Spark Cash Visa Signature Business 11000, Capital One Venture One 5500, NFCU MR 5900, NFCU Plat 7100 SYNC LOWES 4400 SYNC Sams 3500, SYNC B&H Photo 3500, TD Bank/Red 2900
Cards being axed soon: 2 Credit One (BK Builder) 850 and 900 cl's & TD Bank/Red

EQ F9 680
Message 4 of 7
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Moderator

Re: 2 hard pulls, same CC, same day

OP, if you don't mind me asking...what lender is it that you're referring to?  If you can provide the name maybe the forum can offer some insight as to the typical behavior of this lender...unless it's a local one-off type of place.

 

Message 5 of 7
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Regular Contributor

Re: 2 hard pulls, same CC, same day

Capital One quicksilver1 card. Instantly approved for $3k. They pulled my experian to approve. Then I got another alert later that night regarding an alert. Look at Experian account and they pulled it again, after I had already been approved.
Message 6 of 7
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Community Leader
Senior Contributor

Re: 2 hard pulls, same CC, same day

Cap one pulls all 3 so expect EQ and TU will be hit too.

EXP 758 TU 783 EQ 729
Message 7 of 7
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