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Inquiry Dispute?

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jayjayhawaii
Regular Contributor

Inquiry Dispute?

Long story short - I was browsing Lending Tree for debt consolidation rates (all soft pulls).

 

I saw an 'apply' link next to a rate from OneMain Financial, and thinking it was a link to the offer, I clicked it. Turns out, since Lending Tree had already pre-filled my information and given it to One Main, that link resulted in a hard pull and my Experian score dropped 6 points. I did not intend to apply for anything.

 

I am livid. Can I dispute this?


Current FICO8:


2017: $200 secured card | 2023: $200,000+ total credit line
3 REPLIES 3
RSX
Valued Contributor

Re: Inquiry Dispute?

i dont think so

 

this happened to me as well, but luckily the terms were good-so i took the loan

 

but i closed my account with them shortly after....

 

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 2 of 4
RSX
Valued Contributor

Re: Inquiry Dispute?

if the rate is provided that means an SP has already been done - the Apply is the HP 

 

so for all sites, keep that in mind

 

i dont think those 6pts will be gone for long - give it a couple of months

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 3 of 4
Anonymous
Not applicable

Re: Inquiry Dispute?

They come back in 365 days. I don’t see how you can get out of it, you clicked the link.

Now you may get points from somewhere else before then.
Message 4 of 4
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