Store Card Upgrade Requests Resulted in Hard Inq's

[Red1Blue]

I was shopping in OldNavy and Cashier asks if I want to upgrade my Store Card to OldNavy Visa. I said sure. She tried and came back and said, it is not approved. When I came back home there is a hard inq on my TU.

Couple of weeks ago I requested my Macy's store card upgrade to Visa. CSR said I would know in the next billing cycle if I am approved. Today on my Credit Secure I see a hard inq by macy's on my EX bumping my hard inq's to 49. I dont even know if I am approved for it or not.

Message Edited by concorduser on 04-29-2008 04:40 AM

[Anonymous]

Yep, I told you that the Macys request would result in a hard... If you try to get it reversed, let us know what happens... 

[Anonymous]

Ack. Since you technically never gave permission for a credit check, any possibility of disputing the TU inq?

[Anonymous]

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FretlessMayhem wrote:
Ack. Since you technically never gave permission for a credit check, any possibility of disputing the TU inq?

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I disagree.

"I was shopping in OldNavy and Cashier asks if I want to upgrade my Store Card to OldNavy Visa. I said sure."

There's the permission.  It doesn't have to be explicit permission to check one's credit.  Just an acknowledgement that he is applying for new credit is all they need to give them PP, even if nobody ever mentions that a report will be pulled.

I wouldn't dispute it.  It's a legit inquiry.

Message Edited by cheddar on 04-29-2008 06:37 AM

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Ack. Since you technically never gave permission for a credit check, any possibility of disputing the TU inq?

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I disagree.

"I was shopping in OldNavy and Cashier asks if I want to upgrade my Store Card to OldNavy Visa. I said sure."

There's the permission. It doesn't have to be explicit permission to check one's credit. Just an acknowledgement that he is applying for new credit is all they need to give them PP, even if nobody ever mentions that a report will be pulled.

I wouldn't dispute it. It's a legit inquiry.

Message Edited by cheddar on 04-29-2008 06:37 AM

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Eh, it's kind of a fuzzy line, IMO. Normally whenever I apply for credit they ask specifically for permission to pull my reports. Asking if I want an upgrade on my account doesn't necessarily imply that.

For instance, if I was not a myfico'er, I would not expect that to result in them running my credit.

[MidnightVoice]

I don't think it is fuzzy in law - if you ask for credit they have legal permission to do it.  Unless you tell them not to.

[Anonymous]

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@MidnightVoice wrote:

I don't think it is fuzzy in law - if you ask for credit they have legal permission to do it. Unless you tell them not to.

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Well I agree. I would have asked specifically if it was a hard pull.

[MidnightVoice]

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@Anonymous wrote:

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@MidnightVoice wrote:

I don't think it is fuzzy in law - if you ask for credit they have legal permission to do it. Unless you tell them not to.

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Well I agree. I would have asked specifically if it was a hard pull.

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Thanks to this place we know enough to ask 

Or at least, I now do!

[fishbjc]

How many cashiers know what a soft pull vs hard pull is anyway?  Chances are good that not many of them do.  This is something that should be discussed so the cashiers are savvy.  Unfortunately, the company doesn't care...they just want those credit app's.

I work at Kohl's p/t.  We're required to solicit store charges on every customer not using a Kohl's charge (I understand WHY).  In 90 hours, we're *supposed* to open one charge.  We receive a whole DOLLAR before taxes.  I'm a pretty good salesperson, last Friday in two hours I opened TWO!!!!!

If you dispute the hard, you could end up with a FA on your report.  I did have luck though having one Charter One Hard removed (checking account)

[Red1Blue]

Oh well, I called macy's csr and they say my app for upgrade to visa declined and I'll get a letter from them. I guess after all this exercise I ended up having 2 hard inq's and no upgrade. Next time when they ask, I'll tell them flat out no.....