I've had similar things happen twice: First, I applied (on the web) for an auto refi. I was turned down instantly and they said they were referring me to a "partner" lender. 2 days later another hard pull. Second, I let a mortgage company pull my credit in February so I could get started on figuring out how to repair. We've kept in touch via email, and he's aware in proactively repairing. So yesterday he writes and says he can get me a mortgage with a lower FICO than her previously quoted -- but it's a stated income mortgage. Well, hello! I don't need to go stated, since I'm a W-2 employee, with no side income. So the IDIOT does a hard pull with no PP. I wrote back and explained that I needed the hard pull removed, since it docked my FICO points. He ignored my request and just keeps writing to entice me into a high interest rate loan that he says he can't quote a rate on until I apply. How in the H*LL do I limit the number of pulls from a potential creditor?? Geez. How do they prove with a web app or a phone call that they have a PP -- and for TWO PULLS EACH!!! Who do I dispute with????
I wonder if this has happened to anyone else. Is there any way to make a potential creditor STOP. Once it's done, is it best to complain to the CRA or potential creditor first?? Makes me feel like a victim. A mortgage company pulls all three, so two pulls is SIX pulls.
