Kohls hard inquiry without my approval

[Queen_Etherea]

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@Anonymous wrote:

I tried they said they can't do that but I can dispute with CRA which we know is fruitless.

I needed another inquiry like I need another hole in my head but at least I got a CLI.

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Actually, I wouldn't give up all hope. This is a Comenity card, yes? Back early in my rebuild, I tried doing the "shopping cart trick" and wanted to get a card at a kids clothing store. I was denied, but was obviously hit with a hard pull. I called Comenity customer service and the girl on the phone was the sweetest thing ever and said I could actually write a letter requesting the hard inquiry to be removed. I actually still have the info in my notes on my phone and can provide you with the address she gave me to send the letter. She said it must be a hand written letter stating that you were given wrong info on how this would affect your credit. 

I wish I could tell you I actually followed through with it, but sadly, I completely forgot. Doesn't hurt to try, though!

[Anonymous]

This is a good point, now thinking about it I'm guessing you didn't take a screenshot so you don't really have any "proof". I would call back and use the threat of a CRA dispute to perhaps escalate your issue to the right people to get it downgraded to a soft pull.

[FinStar]

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@Queen_Etherea wrote:

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@Anonymous wrote:

I tried they said they can't do that but I can dispute with CRA which we know is fruitless.

I needed another inquiry like I need another hole in my head but at least I got a CLI.

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Actually, I wouldn't give up all hope. This is a Comenity card, yes? Back early in my rebuild, I tried doing the "shopping cart trick" and wanted to get a card at a kids clothing store. I was denied, but was obviously hit with a hard pull. I called Comenity customer service and the girl on the phone was the sweetest thing ever and said I could actually write a letter requesting the hard inquiry to be removed. I actually still have the info in my notes on my phone and can provide you with the address she gave me to send the letter. She said it must be a hand written letter stating that you were given wrong info on how this would affect your credit. 

I wish I could tell you I actually followed through with it, but sadly, I completely forgot. Doesn't hurt to try, though!

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Kohl's is serviced by Capital One.  It's one of their PLCCs.

[Queen_Etherea]

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@FinStar wrote:

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@Queen_Etherea wrote:

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@Anonymous wrote:

I tried they said they can't do that but I can dispute with CRA which we know is fruitless.

I needed another inquiry like I need another hole in my head but at least I got a CLI.

---

Actually, I wouldn't give up all hope. This is a Comenity card, yes? Back early in my rebuild, I tried doing the "shopping cart trick" and wanted to get a card at a kids clothing store. I was denied, but was obviously hit with a hard pull. I called Comenity customer service and the girl on the phone was the sweetest thing ever and said I could actually write a letter requesting the hard inquiry to be removed. I actually still have the info in my notes on my phone and can provide you with the address she gave me to send the letter. She said it must be a hand written letter stating that you were given wrong info on how this would affect your credit. 

I wish I could tell you I actually followed through with it, but sadly, I completely forgot. Doesn't hurt to try, though!

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Kohl's is serviced by Capital One.  It's one of their PLCCs.

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Aww man, ok. I would still try sending a letter, though.