Hard inquiry from my current credit card...

Anonymous · ‎04-22-2020

Hello everyone

I have had my nordstrom visa credit card since september of 2019. I noticed they did a hard inquiry of my credit report on April 15 2020. When I called and inquired why they said they can do hard inquiry anytime without my consent anytime as I am a current cardholder with them.

Is this legit ? Are they allowed to do hard pull without my consent anytime they want?

Thank in advance for your help

Anonymous · ‎04-22-2020

@Anonymous wrote:
Hello everyone
I have had my nordstrom visa credit card since september of 2019. I noticed they did a hard inquiry of my credit report on April 15 2020. When I called and inquired why they said they can do hard inquiry anytime without my consent anytime as I am a current cardholder with them.
Is this legit ? Are they allowed to do hard pull without my consent anytime they want?

Thank in advance for your help

I'm pretty sure they're only allowed to do soft pulls without consent and hard pulls require consent. Unless there was something in the contract u signed authorizing them to do so but even then it seems fishy.

Rudy1 · ‎04-22-2020

Look at your credit card aggrement it should say something about this because when you apply and if something in that aggreemnt says we can pull your credit I think they can if I am correct. I just keep my reports frozen. Though my mortgage company did this once and I sent a letter to them and got it removed.

Elan Max Cash Preferred Visa Chevron CU $2000

Citibank Diamond Preferred Mastercard $200

Bloomindales American Express Card $20,000

Elan Financial Horizon Bank SMART BUSINESS REWARDS CARD $4000

>

American Express Blue Business Plus Card $2600

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2016 Mini Cooper Countryman through Carvana

Goal Cards:

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Trudy · ‎04-22-2020

No. Are you sure it was a hard pull? Did you request a CLI? Some do a hard pull.

FICO - 8: 05/05/23

Anonymous · ‎04-22-2020

Thanks for your reply.

There is nothing in the agreement and they are referring me to FCRA regulations but failing to say which exact regulation.

Anonymous · ‎04-22-2020

No I didnt request anything at all havent even contacted them

Anonymous · ‎04-22-2020

It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.

Trudy · ‎04-22-2020

@Anonymous wrote:
It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.

Let's hope RobertEG steps in as he's the FCRA Guru. I did find this post from him a few years back.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Getting-TU-Inquiry-Removed/m-p/4909258#M...

FICO - 8: 05/05/23

Anonymous · ‎04-22-2020

Thank you

@Trudy wrote:
@Anonymous wrote:
It is for sure hard inquiry, and they acknowledge that as well. I havent ask for cli. According to them FCRA allows them to do a hard pull without my consent because I have a card with them.
Let's hope RobertEG steps in as he's the FCRA Guru. I did find this post from him a few years back.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Getting-TU-Inquiry-Removed/m-p/4909258#M...

Anonymous · ‎04-22-2020

Update.

Looks like as of April 22nd they closed my account. ( which I guess is for high balance in my other cards)

I know i cant do anything about closure but i really need this inquiry to go away especially if it isnt legit.