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I hit "see if we have an offer for you!" And got a credit inquiry..

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Jeffster1
Valued Contributor

Re: I hit "see if we have an offer for you!" And got a credit inquiry..


@SouthJamaica wrote:

@user365735 wrote:

I'm trying to stay low as I rebuild and I decided to hit a link as stated in the title but they actually ran my credit and declined me. I wouldn't have applied if I knew it was a hard check! They didn't even have an option at the final step that makes you check you agree them running your credit.

Crap company. What are my options? I've never asked for removal, does this qualify?

 

Is there still a thing where you can sue if someone runs your credit without your approval and it's $1000?

 

I honestly didn't know it was a hard pull. I have plenty of credit but I wanna stay low to get better cards.


Whenever you apply for credit you should assume it's a hard pull. I'm sure the fine print disclosed that to you.

 

No you have no basis for disputing the inquiry.


I agree with @SouthJamaica . I'm also sure it was in the terms and conditions. 

The OP also never came back to reveal which bank or company the pre-qual was with. 

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Message 11 of 13
CorpCrMgr1
Frequent Contributor

Re: I hit "see if we have an offer for you!" And got a credit inquiry..

Good for you!!

Message 12 of 13
coldfusion
Community Leader
Mega Contributor

Re: I hit "see if we have an offer for you!" And got a credit inquiry..


@Jeffster1 wrote:


I agree with @SouthJamaica . I'm also sure it was in the terms and conditions. 

The OP also never came back to reveal which bank or company the pre-qual was with. 


"see if we have an offer for you" could be construed as being misleading phrasing.   The question would be as whether the CFPB or the FDIC would agree that it was and if so to the point where remediation was going to be warranted, hence the suggestion that OP file a CFPB complaint.

 

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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 13 of 13
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