discover do 2 hard inquiries to me

Discussion in 'Credit Talk' started by nn2000, Jul 31, 2003.

  1. nn2000

    nn2000 Member

    discover do 2 hard inquiries to me in this month
    They sent me applition for gold,I filled it out and sent back.After that,I want to upgrade it to plat,so called to their rep to apply
    now I got the gold discover already,but plat still in process.
    But 2 inquiries is not good for me,totally I got 4 inquires in 6 months
    is that possible to waive one of the two if I cancel the apply for discover plat?

    I'm new here,thx for any help
     
  2. nn2000

    nn2000 Member

    dump
     
  3. GEORGE

    GEORGE Well-Known Member

    It DEPENDS...DISCOVERCARD might RE-CODE the second one...THEN AGAIN PROBABLY NOT...

    The CRA will DELETE duplicate inquires with-in 30 days of each other (SOMETIMES)

    "IF" you cancel the PLATINUM application...you still have 2 inquires!!!

    Try the CRA FIRST...("IF" there are 2 inquires in the same 30 day period)
     
  4. nn2000

    nn2000 Member

    thx for help
    because I'm new here,still need to understand some details
    how to connect CRA in this case? by phone or by mail?
    If by mail,what format should the letter be?what personal info do they need?
     

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