PayPal credit hit me with a HP for CLI. (comenity)

[willwar14]

Well looks like Comenity is in HP mode now, ill call tomorrow and see if they will remove the HP, if they dont there goes my 2 months of gardening, if I can get them to remove it al my reports are gettng frozen. I think I might have a case because it still says this:

What do you guys think?

[Skye12329]

Well it does say it won't affect your credit report, which usually means a SP for any lender. I would think they would remove the HP. 

[ErikaC1]

So far for me PayPal has always been a soft pull. I have gone over my credit line, and they also auto increased me last month. I have never seen a hard pull. If they did they would have to start reporting, that would be fair at least. 

[fury1995]

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@willwar14 wrote:

Well looks like Comenity is in HP mode now, ill call tomorrow and see if they will remove the HP, if they dont there goes my 2 months of gardening, if I can get them to remove it al my reports are gettng frozen. I think I might have a case because it still says this:

What do you guys think?

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Did you get an alert? Where did you you see the HP?

[Anonymous]

Are you sure it is a hardpull?  It is a softpull and it specifically states that-

[CreditCuriosity]

Ya be really suprised if it is a HP.. Have gone over my limits before and they don't SP you typically right there, it is usually every x amount of months prior and they already know the response they are willing to go up to, although you don't. Anyways if it is indeed a HP you should be able to get it removed although it wil be a PITA for sure.

[willwar14]

Yup pretty sure CK and Equifax confirmed it.

what's a PITA? sorry noob here lol..

[jsucool76]

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@willwar14 wrote:

Yup pretty sure CK and Equifax confirmed it.

what's a PITA? sorry noob here lol..

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Pain in the....butt

[fury1995]

I don't have Credit Karma..

Interesting that Paypal is classified as "Oil Companies" by CK.

[CreditCuriosity]

Ya I would be calling or writing comenity and disputing that HP.. Per their terms it is worded as a SP and should be a SP.  Might want to pull your Equifax report other than CK to ensure as CK is known to mess stuff up occasionally, but sure looks legit