HSBC did a Hard Inq...

[Anonymous]

Happy Thanksgiving to all!

Pulled TC last night, saw HSBC did a Hard Inq on the 20th. Why? They do routine soft ARs but why would they do a Hard?

Oh well, I'll give them a hard time later, turkey & football for me today.

[Anonymous]

Any updates?

[Anonymous]

Did you request a CLI?  if not I would dispute.

[Anonymous]

I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.  

Since then I have requested that they combine my 2 cards. Once I receive the offer (via a letter, not instant) and combine the cards I intend to continue disputing the inq.

It's irritating, like swatting pesky flies.

Thanks for asking.

[Anonymous]

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Anderson wrote:

I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.  

Since then I have requested that they combine my 2 cards. Once I receive the offer (via a letter, not instant) and combine the cards I intend to continue disputing the inq.

It's irritating, like swatting pesky flies.

Thanks for asking.

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What a great company. 

[Anonymous]

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Anderson wrote:

I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.

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Umm, did they state that in writing or verbally only? If it's the former, talk to a lawyer. If it's the latter, what state are you in and do you have any hangups about recording your phone calls.

[Anonymous]

Dont think they can do that...  they can close or cld but no arbitrarily hard you.

[Red1Blue]

BOA a did 3 hards on my CR when they issued 99/500 and when I disputed, they said it is legitimate inq and they will not remove it. My question was why 3 Inq's. They say it is legitimate inq and they will not remove. Do I have case to dispute this argument?

[Anonymous]

Noah_Bodie wrote-
Umm, did they state that in writing or verbally only? If it's the former, talk to a lawyer. If it's the latter, what state are you in and do you have any hangups about recording your phone calls.

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Verbally. I have no problem recording calls, heck most times you call a CCC CS you've already agreed to the call being recorded so my view is that I would not need to additionally inform them that I'm also recording, or I could simply ask "is this call being recorded?"

Brammy wrote-
Dont think they can do that...  they can close or cld but no arbitrarily hard you.

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I agree & I intend to pursue it, just do not want to do anything till I get the combine offer. BTW, have a 5yr perfect payment hx with them, 1st time ever late & by 2 days. The inq really ticked me off.

[Anonymous]

They can do that. You app'd for credit & gave them permission.

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concorduser wrote:

BOA a did 3 hards on my CR when they issued 99/500 and when I disputed, they said it is legitimate inq and they will not remove it. My question was why 3 Inq's. They say it is legitimate inq and they will not remove. Do I have case to dispute this argument?

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