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Has anyone had any experiences recently with a HP from EQ either not appearing at all, or being really delayed to show up? Here's my scenario:
I applied for a new account on 12/11 and was approved. They sent me a "Price you pay for credit" disclosure giving me my APR and credit score, and stated it was obtained from EQ. 9 days later, I still have no indication they pulled my credit. Since I was 2 freakin' points shy of getting the top tier rate (grr! I hate the old score models!), I got an AA copy of my report from EQ. I don't see any SPs or HPs that are from them, and the HPs match what my last CCT shows. The score is correct though, so I'm really confused. Anyone else experience anything like this? I don't care about the INQ, but I hate mysteries - especially when they involve my finances
I figured out what it was after I posted, but I couldn't delete
It was for a new Signature LOC, my first credit product with this bank.
I saw on the disclosure that it also had a date when the score was grabbed. It was on 11/02, and it was from when I had done a couple other transactions with them. They must've SP'd me then, and I guess they reused it for the LOC app. Interesting that they would not HP for it, but I'm not going to complain!
I asked for $7500 and was approved. 9.9% APR (lowest is 8.9), so I'm very happy about that. We'll see how/when it starts reporting now Maybe I'll luck out and the TL will be hidden, too LOL.