Auto CLI from Chase

[dman23]

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@Skye12329 wrote:
It sounds like it was a SP, however you should see what chase says.

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Thanks Skye. I think you're right as I don't see it on my TU report at myFico under Inquiries that may be affecting your FICO® score.

[myjourney]

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@B335is wrote:

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@Skye12329 wrote:

It wasnt a SP? Because i know on your report theres  asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it. 

Unless you requested an increase then it would be a HP from them.

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+1

If you didn't request it, I would ask Chase to remove it.

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I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

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Where's it list 

INQ's seen by others?

Or

INQ's seen only by you?

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This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

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Pretty sure it was a SP 

This is the problem with 3rd party reports ....not always accurate IMHO

[dman23]

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@myjourney wrote:

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@B335is wrote:

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@Skye12329 wrote:

It wasnt a SP? Because i know on your report theres  asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it. 

Unless you requested an increase then it would be a HP from them.

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+1

If you didn't request it, I would ask Chase to remove it.

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I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

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Where's it list 

INQ's seen by others?

Or

INQ's seen only by you?

---

This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

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Pretty sure it was a SP 

This is the problem with 3rd party reports ....not always accurate IMHO

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Thanks I think you're right.

[youngandcreditwrthy]

Myfico is ALWAYS a better source than any of the fako sites, including CK.

[-NewGuy-]

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@B335is wrote:

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@Skye12329 wrote:

It wasnt a SP? Because i know on your report theres  asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it. 

Unless you requested an increase then it would be a HP from them.

---

+1

If you didn't request it, I would ask Chase to remove it.

---

I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

---

Where's it list 

INQ's seen by others?

Or

INQ's seen only by you?

---

This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

---

Pretty sure it was a SP 

This is the problem with 3rd party reports ....not always accurate IMHO

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Thanks I think you're right.

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It's conflicting information, I'd be confused too. The fact that your TU report shows it and myFICO doesn't indicates SP, but the text you provided above sounds like a HP.

Honestly, if it's on your TU report then don't take Experian, myFICO, etc word for it. Call TU directly and have them tell you whether it's a HP. Go straight to the source. They'll let you know immediately.

[dman23]

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@-NewGuy- wrote:

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@B335is wrote:

---

@Skye12329 wrote:

It wasnt a SP? Because i know on your report theres  asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it. 

Unless you requested an increase then it would be a HP from them.

---

+1

If you didn't request it, I would ask Chase to remove it.

---

I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

---

Where's it list 

INQ's seen by others?

Or

INQ's seen only by you?

---

This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

---

Pretty sure it was a SP 

This is the problem with 3rd party reports ....not always accurate IMHO

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Thanks I think you're right.

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It's conflicting information, I'd be confused too. The fact that your TU report shows it and myFICO doesn't indicates SP, but the text you provided above sounds like a HP.

Honestly, if it's on your TU report then don't take Experian, myFICO, etc word for it. Call TU directly and have them tell you whether it's a HP. Go straight to the source. They'll let you know immediately.

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Ah geez....I just realized the inquiry was from July of 2013, not 2014. Still confusing why it shows on TU report from Experian and doesn't show from myFICO TU report but I not that concerned now. The inquiry in 2013 was for an installment loan.

Thanks again everyone and sorry for not realizing the year right away.

[Anonymous]

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@dman23 wrote:

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@myjourney wrote:

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@dman23 wrote:

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@B335is wrote:

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@Skye12329 wrote:

It wasnt a SP? Because i know on your report theres  asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it. 

Unless you requested an increase then it would be a HP from them.

---

+1

If you didn't request it, I would ask Chase to remove it.

---

I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

---

Where's it list 

INQ's seen by others?

Or

INQ's seen only by you?

---

This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

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I believe it's a SP. If Chase indeed wants to HP you, it should state very clearly (in the email) something like "by submittting your request you authorize us to obtain a copy of your credit report blablabla ..."