Cap1 hard pulled me on EQ & EX for a cli...confused...

[Physh1]

I hit over 6 months since my last cli so I hit the button again & was told they needed time to make a decision. I ended up not getting the cli, which is fine, but I checked cct & ck today (I have a handful of inquiries about to drop off so I was checking dates) & see that Cap1 hard pulled me on EQ & EX.

I double checked the cli request page & it clearly states this won't impact credit & nowhere does anything say a credit report would be pulled.

Do I have legit grounds to dispute the pulls? Also, oddly, all 3 of my reports are frozen...so I'm not sure how they hard pulled me.

[Anonymous]

Wow that is really concerning, first CapOne CLIs are always SPs, I have requested CLIs about once every 2 months (denied for not enough usage) in the past year and it's always SP. Secondly, credit freeze didn't stop the HP? What's point of the freeze?

I would call CapOne and demand the HPs are recoded to SP based on the language on their site, then I would call the CRAs and demand an explanation why deep freeze didn't do its job.

On top of all that, double pull for a CLI no less, I hope you get this straighten out.

[RobertEG]

If a consumer initiates a request for new or increased credit, that is a specific permissible purpose under FCRA 604 that then permits the creditor to obtain your credit report without any additional consumer authorization.  A consumer initiated request for credit will then show in your credit report (i.e. it will be a "hard pull") unless the creditor explictly makes an optional coding as "soft."  There is no requirement that they obtain consumer permission or that they code as soft as long as the consumer initiated the request.

In distinction, an existing creditor can, at any time, pull consumer's credit report to evaluate the account, including their own determination of whether to increase the credit limit.  An account review inquiry is coded as soft by the CRAs. and thus does not show in any credit report provided to others,and thus does not affect scoring.  A CLI that is not based on a consumer-initiated request for the increase thus will be soft.  

[Pikaboo-icu]

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@Anonymous wrote:

Wow that is really concerning, first CapOne CLIs are always SPs, I have requested CLIs about once every 2 months (denied for not enough usage) in the past year and it's always SP. Secondly, credit freeze didn't stop the HP? What's point of the freeze?

I would call CapOne and demand the HPs are recoded to SP based on the language on their site, then I would call the CRAs and demand an explanation why deep freeze didn't do its job.

On top of all that, double pull for a CLI no less, I hope you get this straighten out.

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Yep, I figured what the heck.. I just now went & request a CLI and it specifically states: Your credit will NOT be affected when you submit the info. I asked for a CLI as I should be due soon- so far no alerts..

They don't even have the disclaimer of "might/might not or we will contact you first prior to a HP" etc... 

OP: I would look into that. Are you certain those HP are for a CLI? 

I would dispute because the verbiage is clear- NO HP. 

[Physh1]

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@Pikaboo-icu wrote:

OP: I would look into that. Are you certain those HP are for a CLI? 

I would dispute because the verbiage is clear- NO HP. 

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Yes, absolutely certain. The are posted the day of my cli request. They are HP....I have no service that provides me soft pull data.

[Physh1]

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@RobertEG wrote:

If a consumer initiates a request for new or increased credit, that is a specific permissible purpose under FCRA 604 that then permits the creditor to obtain your credit report without any additional consumer authorization.  A consumer initiated request for credit will then show in your credit report (i.e. it will be a "hard pull") unless the creditor explictly makes an optional coding as "soft."  There is no requirement that they obtain consumer permission or that they code as soft as long as the consumer initiated the request.

In distinction, an existing creditor can, at any time, pull consumer's credit report to evaluate the account, including their own determination of whether to increase the credit limit.  An account review inquiry is coded as soft by the CRAs. and thus does not show in any credit report provided to others,and thus does not affect scoring.  A CLI that is not based on a consumer-initiated request for the increase thus will be soft.  

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Thank you for that reference point BUT my main concern is that the cli page specifically states no impact to credit to make a decision. I certainly understand that creditors have the right BUT do they have that right after specifically stating no impact to credit would occur?

[FireMedic1]

Go login in to EQ dispute center. It will load your CR and look down the page to SP and HP. They are listed there. Same with EX.

[RobertEG]

I am not stating that you have no recourse to pursue the matter, only that there is no violation of the FCRA.

You could pursue it as a breach of contract issue based on their stated term that it would not affect credit.

However, it is not a violation of the FCRA per se, and thus not, in my opinion, an issue that can be disputed as inaccurate information in your credit file.

[Pikaboo-icu]

In my opinion the dispute is with Cap One.

That's who I would be calling to have them removed. 

Perhaps 'twas a computer glitch.. 

[RonM21]

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@Pikaboo-icu wrote:

In my opinion the dispute is with Cap One.

That's who I would be calling to have them removed. 

Perhaps 'twas a computer glitch.. 

This would be where I would start also, by calling Cap1 due to the language on the page itself.  Sometimes there is an error or glitch.  Just recently there was a poster who recognized a double pull to Transunion from Barclays for the same pull.  They called and was told it was an error on their end....so you never know.  But I would start with Cap1 first.

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