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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?
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....
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