@Anonymous wrote:Yes well not to make an excuse but i was kinda new to the whole credit application process and didnt know the difference between giving your full SS # and only the last 4 of it. Didnt know it was any different but now I do and as i said lesson learned
Yes, lesson learned. And, also, don't expect anyone else to carefully review any application screen. Do it yourself, and then decide to wait or decide to app.
Calling to ask a CSR if you can get a card is asking for a HP, in the CSR workflow. They aren't really there to help you make any decisions about applying.
There is a positive outcome to this: You now know for certain that you didn't get a Discover card. The HP likely stays, likely should have been incurred anyway, and now you can garden in peace while you work on improving your scores.
Don't give up on Discover, they have good offers once you get a card. I've gotten many BT offers, low APR purchase offers, the 10% Apple Pay offer going now, 10% back on spend offers, but you do have to be clear about what the CSR hears, what you hear, and what you actually receive.
@Anonymous wrote:Yes well not to make an excuse but i was kinda new to the whole credit application process and didnt know the difference between giving your full SS # and only the last 4 of it. Didnt know it was any different but now I do and as i said lesson learned
There isnt any difference you can receive an HP with the last 4 too.
@Anonymous wrote:Hard pulls seem to stay on for quite a while. I have 17 right now. How is that possible
and the thing about it is most of these pulls are not even necessary. I'm asking them a question, and they're doing hard pulls
i dont know why I received a hard pull when I'm just apartment hunting. I don't know why I needed to do a hard pull, just to get a checking account because it comes with an investing account. So I'm actually annoyed with the ones I have, but the count will probably never go to 0
If you include apartment and bank accounts, you have to make some distinctions, categorize them:
How many are apartment hunting,
how many for checking,
how many if you were buying a car,
how many if you are looking for a mortgage (hopefully mutually exclusive with apartment hunting)
and how many you got when you applied for a credit card.
If you are calling a credit card company to ask questions, and seeing multiple HP from that, please expand on that. What sort of questions? Which credit card companies, or if not a CCC, then who are you asking the questions of?
@Anonymous wrote:My first mistake was signing up for CK i should of known they are full of it, but when i was first cleaning up my past they were free and listed everything on my TU report. Well i should of listened to the reviews about how CK places odds on approval for certain cards based on ones credit profile. CK indicated i had very good chances of applying for the Discover It card, but i remembered reading on another board that i could see if i preqaul without a HP so i went to their site putting my info in and was given a few offers to choose from one being the It card CK said i had a good chance of being approved. Well i decided to call Dicover and ask if this was truly the case or was this just some "other offers i may be interested in" like you get from Cap 1 and AMEX. I asked the CSR if she could pull up the same offer screen i was shown and tell me if i prequal. She asked me my name and SS # STOP i said i dont want an APP i just want to see if i am prequaled and she said she understood. She put me on a brief hold and when she came back on she said sorry at this time we cant approve you for a Discover card. I said ok thinking she only did a prequal soft pull well a day later i get an alert from the infamous CK saying a new INQ was reported it was Discover they had ran an app on me using the information i put into the offer page. I was pissed so i called them and basically got told the app was run and denied and if you want the HP off your report contact EQ or TU since they pulled both. Of course they both said Discover had to remove it and they wont so lesson learned i will never apply or deal with Discover they are as crooked as they come.
Don't be mad at Discover, it was the unscrupulous rep that was trying to meet their app quota. Personally, even if it was 6 months ago, and I knew on that recording that I told the rep that I was not interested in an application but a pre-qual soft pull, I would e-mail the highest position person with Discover that I could find, and would write them a clear and precise explanation and ask for an investigation into that recording to verfiy my accusations that the rep went beyond my approval for a HP.
When ever I call to apply, they always ask "Do I Have Your Permission to Pull Your Credit" and when you say yes, they hit the button.
I highly doubt that if you let Discover know what happened, and as you say never gave them permission to do so, Discover isn't interested in damaging your credit report unless it is valid, and will investigate and if you never gave permission, they will remove that HP.
A company is only as good as the people who work there, and some have bad apples like everywhere else. Hold that rep accountable!
