Barclay checked trans union twice!!!

[Anonymous]

Last Saturday I applied for a Barclay card and got denied. The inquiry hit my trans union credit report last Sunday. I got an alert again this morning saying Barclay did an inquiry on today's date also. Has this ever happened to anyone? I was just getting over the remorse I felt over the initial inquiry and now another without my consent. Im feeling very stressed over this and imagine it will take a lot of effort and time to get it removed. How do I go about getting this second inquiry removed?

[Tristate]

Don't worry about second inq so much.FICO sees it as a same Inq.

Just out of curiosity what was your score when you applied? Few weeks ago I was about to apply for Barclays but got an advice on this forum to stay away from it for another year or so.

[pizzadude]

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@Anonymous wrote:

Last Saturday I applied for a Barclay card and got denied. The inquiry hit my trans union credit report last Sunday. I got an alert again this morning saying Barclay did an inquiry on today's date also. Has this ever happened to anyone? I was just getting over the remorse I felt over the initial inquiry and now another without my consent. Im feeling very stressed over this and imagine it will take a lot of effort and time to get it removed. How do I go about getting this second inquiry removed?

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Did you call in and ask for a recon ?   That could trigger them to pull your credit again.

[pizzadude]

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@Tristate wrote:

Don't worry about second inq so much.FICO sees it as a same Inq.

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This is only true for auto, mortgage, and student loan inquiries within a certain time window.    Credit card inquiries are always scored individually.

[Anonymous]

At the time my TU was 697. I have 5 inquiries in the last 3 months and about 6 new accounts. That's probably the reason for the denial. I did not recon so I can't figure our why they'd think they could get away with another pull out why they'd even want to. I'm hoping it was just a glitch in my credit monitoring service. I have not really investigated the situation yet.

[CS800]

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@pizzadude wrote:

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@Tristate wrote:

Don't worry about second inq so much.FICO sees it as a same Inq.

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This is only true for auto, mortgage, and student loan inquiries within a certain time window.    Credit card inquiries are always scored individually.

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+1

[john398]

Usually if you call to recon they will will than pull an EQ report, but thats odd because you did not call and you got 2 TU hits

[bamagirl1]

I thought it was kinda par for the course. I know when I've applied for different cards in the past a few times some providers pulled 2 different CB reports or sometimes pulled 2 on the same report (i.e. 2 on Eq etc) as long as they have permission to pull your report I don't think there is a way to get them removed..

[surfnspy]

I was approved last week after submitting phone app and following up with a CA afterwards. They pulled TU and then EX two days later. I'm told that it is normal with them if you have a thin file. Hope this helps.

[Anonymous]

I'd dispute the inq.