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HP from HSN Pre-approval

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Contributor

HP from HSN Pre-approval

Accepted a preapproval for HSN using last 4 of my social yesterday. Woke up this morning to an HP inquiry alert from CK for HSN.

Is it possible to request HSN remove the inquiry? Lost 6 pts.

Message 1 of 6
5 REPLIES 5
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Frequent Contributor

Re: HP from HSN Pre-approval

I think you're just going to have to live with the HP. 

Message 2 of 6
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Super Contributor

Re: HP from HSN Pre-approval

You can always ask but doubtful.

Did you get the storecard or the bankcard




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2020 CCT EX 835 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 3 of 6
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Senior Contributor

Re: HP from HSN Pre-approval

Always assume you'll get an HP even if others didn't. No point in stressing over it. After 6 months it's dinging you less and after a total of 12 months it has no scoring value at all.
Message 4 of 6
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Community Leader
Mega Contributor

Re: HP from HSN Pre-approval

No, you solicited credit, whether it could have been sp but became hp always a possibilty.
Message 5 of 6
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Super Contributor

Re: HP from HSN Pre-approval

Requesting for a new account for credit from lenders allows permission to HP a credit report(s).

 

You can always call and ask but the likely outcome almost always remains the same.

 

Advice is approach your plans more strategically. Fairly new profiles get dinged immediately usually around 6 points from a HP but as you march along making payments with the usage of current cards, adding more time and history develops (obviously) until you reach a beakpoint in your profile where the cost drops to 3 instead of 6.

 

You took a chance. We all do. Sometimes a lender won't HP for a CLI for one but will for another.

 

Hope that helps.

Message 6 of 6
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