New TU inquiry: USB Fraud Hub Hard

toadsworth · ‎11-09-2018

Applied for and was approved for a US Bank Visa Platinum credit card earlier this week, fast approval. Have checking, savings, reserve LOC, credit card, and newer premier LOC with them already. TU is 757. Upon approval, I called underwriting and mentioned I was interested in using the balance transfer offer but wanted to keep my utilization from being very high, and they offered to recon the starting limit with the existing inquiry. That was Tuesday evening.

I just got an alert for a new TU inquiry; the name attached is
USB FRAUD HUB HARD
MINNEAPOLIS, MN
55402
(800) 803-4212

Weird. If it is regarding my recon, given that the rep said on the phone that it would be the same inquiry, could I dispute it?

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

gdale6 · ‎11-10-2018

No, its never a guarantee to be a SP. This inquiry is interesting they may be reviewing the approval and your accounts to see if there is so possibility of fraud involved. Bust Out score tends to trigger these types of reviews. I would just lay low and see what they decide here with this one.

Anonymous · ‎11-10-2018

I just saw the same thing hit my husbands TransUnion today. We got a pre approved offer in the mail for a credit card through elan financial services/Columbia bank that we accepted. I see an elan hard pull and two days later a “usb fraud hub hard”. Not too happy about this! I know US bank owns elan but why would something grays related be in the name and why two hard pulls for a pre approved offer?!

Anonymous · ‎11-11-2018

I just got some answers! Yes it did have to do with getting the new credit card from elan financial services Columbia bank. He said it’s a part of their process to not only do a regular hard pull under elan but to do a separate hard pull to check for any fraud. Needless to say I’m not too happy about getting two hard pulls for one new card! They obviously didn’t see any fraud so my new card is on the way. I’m going to dispute that second hit with the company and maybe the bureaus 😡