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mikejody

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About mikejody

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  1. Should have said a hard credit check, not credit report.
  2. Greetings, I do not know if I am posting this in the right forum, but I'm wanting help with something Barclays has done to me: I posted the following question to Barclays customer service department (all the following quotes are simply repostings of our interaction): Me: "Greetings, I am requesting that Barclay card does not increase my credit line, and does not do any hard credit checks whatsoever on my account. Can you please add a note that this customer does not wish to have any credit checks accomplished?" Barclay's Response: "Dear _customer's name_: Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard. We can certainly address your concern regarding the FICO® score on your account. When you view your FICO® Score through this program, you are not impacting your credit score in any way. Credit inquiries classified as "Hard inquiries" (like when you apply for credit) may affect your credit score. "Soft inquiries" do not impact your credit score and are initiated for the purpose of pre-approved credit offers, and by existing creditors to monitor risk. The FICO® program is simply sharing the information obtained through soft inquiries. Therefore, it does not affect your credit score. Further, please be advised that we receive updated information from TransUnion once every 10 weeks, or whenever there are certain changes to your credit file (new account openings, new inquiries for credit, etc.). Whenever that updated information affects your FICO® Score, we will send you an email alert letting you know that your FICO® Score has changed. For more information regarding your FICO® score, you can access the Terms of Use through the 'Your FICO® Score' tab, located in the 'Tools' section of the website. We hope you find this information helpful. If you have any other questions and concerns, please reply to this message. Sincerely, Customer Care" My response: "Greetings, thank you for responding. This is not what I asked. Notice that I asked you not to do any HARD credit inquiries on our account. I don't care if the FICO score is updated, I care that you don't do any HARD inquiries on our account. In other words, last year you did a HARD inquiry on our account to increase our credit limit, which we did not ask for. I do NOT want that done again. Does that make sense? I can explain further if you'd like." Barclay's response: "Dear _customer name_ : Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard. We can certainly address your concern regarding the hard inquiry on your account. We will need to pull and evaluate your Credit Bureau Report. Please keep in mind that we are only doing a hard pull in order to process your credit limit increase request. We hope you find this information helpful. If you have any other questions and concerns, please reply to this message. Sincerely, Customer Care" My response: "Wow! What part of DO NOT PULL A HARD CREDIT REPORT are you not understanding? I thought I had been really really clear, but I guess not. Is there a way that you might send this request to someone who understands English for me? I'd really really appreciate it. Again, I want to try to be as clear as I possibly can. I do NOT want you to pull ANY hard credit reports from me. I do NOT want an increase in credit with you. I do NOT want another hard credit report pulled. Again, would it be possible for you to forward this request to someone who understand English? I'm not being rude, I just really don't understand why you can't understand my request . It seems really straight forward. DO NOT PULL A HARD CREDIT REPORT, and DO NOT GIVE ME AN INCREASE IN CREDIT. If you're having difficulty with this, please tell me what your first language is and I will see if I can translate it so that it is understandable. Please respond back that you will NOT pull a hard credit report ever again. Thank you." One week later, I found out that they had pulled a hard credit report on me. Is there anything that can be done about this? It seems very blatant disregard for the customer's request.
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