wondering if i got too greedy

[corradovr6]

Just a follow up. Today i received a letter. Captool was correct. They denied it. On the front page it says it was due to"insufficient experience with current limit on discover card". The back has me perplexed though. Says "our decision was based in whole or in part on info obtained in a report from agency listed below. Says i have a right to a free report no later than 60 days after received notice. Says we also obtained your credit score. wondering if this is the telltale signs of a hard pull or still could have been a soft. haven't gotten anything from creditkarma. If it was a hard would it be pointless to contact discover saying a screen never showed up saying I would take a hard. Thanks

[Anonymous]

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@corradovr6 wrote:
Just a follow up. Today i received a letter. Captool was correct. They denied it. On the front page it says it was due to"insufficient experience with current limit on discover card". The back has me perplexed though. Says "our decision was based in whole or in part on info obtained in a report from agency listed below. Says i have a right to a free report no later than 60 days after received notice. Says we also obtained your credit score. wondering if this is the telltale signs of a hard pull or still could have been a soft. haven't gotten anything from creditkarma. If it was a hard would it be pointless to contact discover saying a screen never showed up saying I would take a hard. Thanks

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Yeah, i've got same letter when i tried requesting another CLI too soon after my previous one, (6 days lol). I doubt they did a HP they probably obtained your credit score the same way they provide you with the free one every month.

[Anonymous]

If you want though you could call and ask them just to be 100% sure. Might even be able to get it removed if it was a HP since you could say you were under the impression that it was a SP.

[corradovr6]

I hope so. Didn't really want one. Did you get one for sticking your hand in the cookie jar so soon. Just thought hard pulls were the only way to get a free copy of credit report after denial