Here is the story, i responded to a credit card offer from Cap 1 and there requirements are that you provide personal info so that they can determine credit worthiness. I spoke to a representative and specific ask were they going to run my credit, her reply was we would only do a soft inq and this will not affect your fico score. Unfortunately, after confirming this info with two reps, my credit was pulled and my fico was affected, i called Cap 1 and was told that i should never been told that and there is nothing they can do to reverse or remove the inq that is on my personal credit report. I am so mad with these people until i am contemplating closing my acct that i have had with them for over 2 yrs. Is there anything i can do about this situation. I now have a inq and my score has dropped from this mess.
