Urgent! Am I F***ed???

Discussion in 'Credit Talk' started by FeliceRodo, Sep 2, 2001.

  1. FeliceRodo

    FeliceRodo Well-Known Member

    The credit offices of FCNB said yesterday no hard inquiry and credit report would be pulled for my request for a credit line increase.

    I checked my TU this morning with KnowNothing.com and a hard inquiry is present from FCNB, dated yesterday. I was lied to.

    Please, any advice or help appreciated concerning the removal of the inquiry!
  2. LKH

    LKH Well-Known Member

    Call FCNB back and ask for a supervisor. Tell them what you were told and what happened and that the inquiry should be a soft inquiry - an account review = AR. Tell them you expect it to be changed.
  3. Marie

    Marie Well-Known Member

    I was told the same thing. I applied a while ago just for curiosity sake since I was told it'd show up as a soft inquiry...

    You know.. they are using deceptive practices by telling us this and they're likely violating their contract with the CRAs if they so a soft inquiry for an application.

    Go after them strongly and you'll likely get a delete and/or a card.
  4. NanaC

    NanaC Well-Known Member

    We had this happen with an insurance company (Allstate)...when we found out, we wrote them a letter, faxed (after calling) the headquarters of Allstate, wrote the BBB, wrote PlanetFeedback and CC: FTC. Got a call from the headquarters and it was removed.

    Good luck!
  5. G. Fisher

    G. Fisher Banned

    Get it all in writing, or learn the tape-recording laws and get it on tape.

    Otherwise, they'll just deny, deny, deny.

    I've got another lender on the ropes in a similar situation... in writing.
  6. lbrown59

    lbrown59 Well-Known Member

    =====Another good reason to outlaw them=====

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