A month ago AMEX sent me an offer to upgrade from my AMEX gold card which I had had for 9 years to upgrade to the platinum card. Well I liked the features they told me about with the card so I took them up on their invitation. I called the 800 number and he politely took my current card number and said that I was upgraded and I would recieve the new card. Just yesterday I checked my TransUnion report and they pulled a HARD INQUIRY. I feel mislead, I thought I was good to go. I never knew they needed my credit report for their own invitation. I never authorized them to do that! I now have 3 hard inquires. Is there anything I can do??
Read your invitation - it specifically states that they can pull your credit report. Read your gold card agreement - it specifically gives them the right to pull your credit report at any time for any reason (authorize a charge, update their records, etc).
amex doesn't normally verify inquiry disputes. If you can get the cra to take the dispute, the inquiry should drop.
