I monitor my credit using PrivacyGuard and they sent me notification that I had two new inquiries. I was puzzled because I applied for a Capital One card and was expecting the one. To my surprise, I see that Credit One performed two hard pulls on my credit. The first one on 4/01/2009 (when I applied) and then another on 4/07/2009. Is this standard operating procedures and do I have any recourse?
Discharged 4/28/2016 EQ-530/EX-600/TU-469
Current scores as of 2/06/2017 EQ-664/EX-667/TU-654
I've had the same problem with HSBC inquiring on 4/13/08 & 5/12/08 and Credit One on 5/27 and 6/7.... for the same card / purpose, but due to identity issues when I started rebuilding. I opened and subsequently closed both accounts after approximately 6mo, but haven't been able to get the CRA's to delete the 2nd inquiry, despite 2 disputes on each. Bummer for me, too!
4/13/08 FICOs: TU 646 / EQ 583 / EX 623 2/06/09 FICOs: TU 708 / EQ 689 / EX 705 12/12/09 FICOs: TU 773 / EQ 737 / EX 761