scrolljoe wrote:
on the still higher one it says that I have been applying for more credit.
all i did was talk to my bank about a refi for my condo? don't need to just
was looking at the lower rates
It sounds like your bank pulled a hard inquiry. If you did not tell them that you wanted to apply for something that very day, and if you did not authorize them to pull your credit, you have a decent basis to ask them to re-code this as a soft inquiry.
Do your best to go in polite and assertive. The law is very murky in this area, so you don't want to antagonize them into an automatic just-say-no mode.
I hope that you have enough of a relationship with your local branch that someone will be willing to do the re-coding for you.
Good luck!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
