Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

[lsumichelle]

I recently contacted my Chase Freedom card company to request a credit limit increase. We just transferred all of our balances to the card, and I requested the increase so that the balance wasn't so close to the limit. All of our other cards our $0. When I called to request the increase, she asked if she could pull my credit report ..I asked if it was a hard pull or a soft pull and she said soft so I authorized. Then I get an alert from my credit report that a hard inquiry was just hit. Chase supervisors were no help and said nothing could be done other than that they would coach their employees better.

Is this something that can remotely be disputed? Since all of the calls are recorded..she says soft but it's actually hard? That's on record somewhere right? I have my local branch manager who said she'd investigate for me but told me it was very likely they couldn't do anything about it.

[Anonymous]

I had the same issue when I signed up for Frontpoint.  I complained and they checked their recorded calls and it was removed.  Took about 30+ plus but it did get removed from my CR.

[lsumichelle]

What does 30+ plus mean?

[pipeguy]

Did you get the CLI? 

[Revelate]

Nothing can be done, actually this happens with frightening regularity.

Fact is any time you request a new account or a CLI should just expect an HP regardless of what the CSR says (if I had a penny for every time I read "My CSR said..." haha); always good to ask here over in CC Apps for example, I don't regularly pay attention there anymore since I'm sort of done adding credit cards but even I could've told you any customer-initiated request with Chase is a HP with 99.999% certainty.

Fortunately inquiries aren't a big deal in the algorithm but it sucks I agree.

[sarge12]

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@lsumichelle wrote:

I recently contacted my Chase Freedom card company to request a credit limit increase. We just transferred all of our balances to the card, and I requested the increase so that the balance wasn't so close to the limit. All of our other cards our $0. When I called to request the increase, she asked if she could pull my credit report ..I asked if it was a hard pull or a soft pull and she said soft so I authorized. Then I get an alert from my credit report that a hard inquiry was just hit. Chase supervisors were no help and said nothing could be done other than that they would coach their employees better.

Is this something that can remotely be disputed? Since all of the calls are recorded..she says soft but it's actually hard? That's on record somewhere right? I have my local branch manager who said she'd investigate for me but told me it was very likely they couldn't do anything about it.

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Actually you will probably find out it is a double pull from experien and equifax...at least that is what they did to me. If not, count yourself among the lucky few.

[Anonymous]

If in the future you ever want to explore what issuers do hard pulls and which do soft pulls, this may help:

http://www.doctorofcredit.com/maximize-your-credit-limits-for-the-citi-gold-deal/

[9CLINE]

So far as I know Chase CLI are 99.9% HP there are bundles of info concerning this subject on the forum ,, Welcome to the board and the Freedom family...........

[lsumichelle]

Thank you for all of your very helpful responses and I wish I was a more frequent member of this board and would have checked here first. I've had my Freedom card forever which is why I keep it because it's one of my oldest cards. I'm not CC savvy enough to know that Chase was an automatic HP. My other cards are Discover and Capitol One and both of those are soft pulls (which of course as I'm sure you all know and has been discussed at great length here -- are online requests). Both of those cards actually have just increased without me even asking.

So when the customer service lady supervisor at Chase told me that, "ma'am anytime you request a limit increase it's a hard pull." I almost unloaded on her.

I am going to take a chill pill now and just walk away. I've just been working extremely hard on my credit score for a very long time and had all hard pulls off and have my one serious delinquency dropping off in August. I was at 769 before this debacle, hence my being livid. Another 2 years before the might 800. *rolleyes*

[lsumichelle]

I did not get the CLI. They said I would either get declined, accepted or pending and I got pending.