Oops, Freedom isn't a soft pull...

[Credit-hoarder]

@HeavenlyFlower: And if your declined applcation goes for a SECOND manual review....or so I was told by a Sr. Ananlyst the other day as she told me she noted it on my declined application.

[Anonymous]

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@Credit-hoarder wrote:

@Anonymous: And if your declined applcation goes for a SECOND manual review....or so I was told by a Sr. Ananlyst the other day as she told me she noted it on my declined application.

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This happens with other lenders also. The lender may or may not let you know a another HP will be done (although they should) but from reading around here I've come to expect additional HP's with recons unless confirming otherwise. Why anyone would need to pull additional reports within a couple days I really couldn't say but I don't make the rules

[Credit-hoarder]

From the way it sounded she didn't feel like I was entitled to waste any more of an analyst's time reviewing information from the same credit report....IOW they'd be "hashing" to same CR info over and oever again. Chase is never getting jack schmidt from me as far as a HP for anything new or old EVER again.

[Anonymous]

It is helpful to actually read the text that pops up when you go to request the CLI. It states that they are going to pull your credit report. 

[Anonymous]

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@Anonymous wrote:

It is helpful to actually read the text that pops up when you go to request the CLI. It states that they are going to pull your credit report. 

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Let's not get crazy here.

[Anonymous]

I'm hoping for an increase on my Freeddom. Oddly enough, I called them for something on my Disney card and she asked why I didn't use it that much and I said well the limit was really low and I didn't get approved for the Premier, which was the one I wanted. She then said "Okay, how much did you need.." I was like okay eager beaver...lol. Told her I didn't need a anything until I was upgraded to the Premier.