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Chase Double Hard Pull

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New Member

Re: Chase Double Hard Pull

I had this same thing happen when I got my CFU. They needed to verify some security info and pulled the report a second time. Irritated me greatly.
Message 11 of 18
Frequent Contributor

Re: Chase Double Hard Pull

OP

 

Sorry this happened to you. Contact Chase and see if they are willing to cancel the second HP.

 

There is a lesson to learn here which is keep everything frozen or locked at all times and only unlock for a couple of min. when you submit an app. then lock right after, this ensures that those banks will never pull anything without your knowledge.




Message 12 of 18
Moderator

Re: Chase Double Hard Pull

Yes sometimes they will do it as a security check, but usually that is where the 2nd CRA comes into play, not usually two from the same CRA.  It might be worth a call calling them up or the EO up and asking them to recode the second HP as a SP as they can certainly do that, if they will is a different story.

Message 13 of 18
Valued Member

Re: Chase Double Hard Pull

I just applied yesterday for a Chase Sapphire Preferred and got hit with both an Equifax and an Experian hard pull. Are you saying this is common? Doesn’t seem fair. Can I complain and get one removed?

Note - I got declined solely for the dreaded 5/24.
Message 14 of 18
Community Leader
Senior Contributor

Re: Chase Double Hard Pull


@myquestionsfico wrote:
I just applied yesterday for a Chase Sapphire Preferred and got hit with both an Equifax and an Experian hard pull. Are you saying this is common? Doesn’t seem fair. Can I complain and get one removed?

Note - I got declined solely for the dreaded 5/24.

You can complain, but it won't help. Many lenders double pull and one actually triple pulls. It's their prerogative. 
Also 5/24 is very real. Did you know about it before you applied? 

Got some pruning to do... No more new cards!
Message 15 of 18
Highlighted
Moderator

Re: Chase Double Hard Pull


@myquestionsfico wrote:
I just applied yesterday for a Chase Sapphire Preferred and got hit with both an Equifax and an Experian hard pull. Are you saying this is common? Doesn’t seem fair. Can I complain and get one removed?

Note - I got declined solely for the dreaded 5/24.

Unfortunately, that's part of Chase's UW process, so no the HP will likely not be removed since it's considered permissible purpose.  It has been known for some time that Chase tends to pull 2 CRs in conjunction with an application - whether approved or denied.   This tends to vary by profile since some individuals sometimes incur only 1 HP.

Message 16 of 18
Established Contributor

Re: Chase Double Hard Pull

As mentioned, single pull, double pull or triple pull as seen with capital one is their choice.

 

As for 5/24, that's not an official rule with chase but more like a case by case basis. Hence, the reason why many bypass it. But, sorry for the denial.

November 2019
Experian Fico 08 660
Equifax Fico 08 682
Transunion Fico 08 670

Capital One QS $600
Credit One $300 (soon to close)
Capital One QS1 $750
Discover $11,500
PNC Cash rewards Signature Visa $12,500
Chase SW Rapid Rewards Signature Visa $6900
All accounts opened between Oct 2018 - Nov 2019

Income varies : $60,000 - 80,000
Message 17 of 18
Established Contributor

Re: Chase Double Hard Pull

In the last few months,

 

Chase pulled my EX for the CF.

Chase pulled my EX+TU for the CSP.

State: TX

Message 18 of 18
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