Report pulled twice same day, OK?

Discussion in 'Credit Talk' started by Slavic, Sep 7, 2003.

  1. Slavic

    Slavic Well-Known Member pulled credit report twice in the same day for one application first as QuickenLoans/CHASECREDIT (Mortgage Reporters)then as QUICKENLOANS/CREDITNET (Credit Report Brokers). Can they do this? I was very careful to provide all info and get a nod before credit was pulled and on several occasions expressed my concern about unnecessary credit pulls affecting the score and they did this any way? I have PrivacyGuard showing a five point drop for the first and another five point drop for the second pull. What do I do about this?
  2. snakeman

    snakeman Well-Known Member

    Dispute the inquiry, just one or do both. You could say "prove it with my signature". I don't know how that would work seeings how online you don't sign but rather you click "agree".

    Best I got

  3. Slavic

    Slavic Well-Known Member

    Update and additional questions:

    Spoke with quicken rep and she did it because she pulled it with a wrong address initially by mistake so she had to do it again. She sent me an email explaining this which I intend to send to the CRAs requesting one of the inquiries be deleted. Way to go?

    Now people first did the same thing for a car loan. Two inquiries on each report. Not only that, after they declined they gave info to road loans who in turn pulled the report yet again, though only once and from one CRA.

    So what do you say, do road loans owe $1000 for pulling without permissible purpose? I'll find out why people first pulled twice and update when I have that info.

    GEORGE Well-Known Member

    DISPUTE IT WITH THE CRA---DUPLICATE (you may get lucky and both will go)
  5. nosnip

    nosnip Well-Known Member

    I have noticed that companies like Capital One do that every time we have ever applied.

    One inquiry from Capital One FSB (Bank Credit Cards) and one from Cap One FSB (Banks and S&Ls)
    Same dates always.

    Do you think I would have any luck getting at least one for each instance removed?

    GEORGE Well-Known Member


    ...but they are almost IDENTICAL NAMES
  7. Slavic

    Slavic Well-Known Member

    Re: Report pulled twice same day, O

    People first = capital one

    I didn't know they do it routinely. Well, now I'm not gonna ask them for credit. That's six inquiries folks. AMEX is fine with one EX. Other CC with one or two and they pull six for a car, not an unsecured card. Not worth it.

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