Question: reports pulled for i

Discussion in 'Credit Talk' started by Mo, Oct 31, 2000.

  1. Mo

    Mo Guest

    I know that many people have had their interest rates lowered on their cards when they put in a request.

    Has it been the experience of those of you who have done so that a hard inquiry has been posted to your credit report? OR is the yes-no determination made based upon the card provider's internal record of its relationship with you?

    Whether you were declined or approved isn't important....just if you got hit with a hard inquiry for your effort.

  2. Cadillac408

    Cadillac408 Well-Known Member

    RE: Question: reports pulled f

    I think I was hit w/ a hard inquiry from Citibank when I requested that my APR be lowered. Basically what happened is that I called and put in the request, they lowered it and then days later they pulled a CR. Then they found negative info on there (ie judgment, paid collections) and raised it back up! So I went from 21.4% to 17.4% to 19.4% all in like 2 seconds! :-

Share This Page