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Discover Hard Pull Mystery

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GreatLife
Frequent Contributor

Discover Hard Pull Mystery

Yesterday CK notified of TU hard pull:

"Between Mar 19, 2025 and Mar 20, 2025, an inquiry made by DISCOVER FIN was added to your credit report."

 

Then CK notified me it was reversed:

"Between Mar 19, 2025 and Mar 20, 2025, the inquiry made by DISCOVER FIN was removed from your credit report."

 

I have 2 Discover cards and a Discover personal loan, all in good standing. Spoke to reps in both depts but nothing was found to explain what or why about a hard pull. I immediately froze the 3 CB's. 

 

Also to mention I have 3 Cap1 cards - QS Visa, QS MC, Kohl's Visa. My spouse mentioned maybe it's related to some kind of behind scene acquisition prep activity? Past few months C1 has been hounding me to combine the QS limits. 

 

I'm really puzzled about why the hard pull happened. Any ideas what might've caused this? 

 

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coldfusion
Community Leader
Mega Contributor

Re: Discover Hard Pull Mystery

Wouldn't be the first time that Credit Karma glitched.   Could also be that for example Discover made a routine account review-driven soft pull and either they or Transunion quickly caught and rectified a boo-boo made in how the soft pull was coded. 

 

Feel free to get a copy of your TU report through annualcreditreport to confirm what's currently in your profile, call Discover if you have questions about the CK reporting or see something you don't understand,  and then freeze your report(s).

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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