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First question I got is Can I use HSBC Discover Card Electronic for Internet / Online Transaction? Hoping for any response. My other question... So I asked a Chase CSR what report they'd pull because I have a security freeze and I wanted a CLI. She said that she can give me the phone number to Experian and Transunion to ask themmmmmmmmmmmmmmmmmmmmmmmm.... |
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Yes sir! but... you might want to make sure and wait for someone else here to confirm my answer as I am not quite sure. Better yet, why don't you give a call to the Discover Card guys because they can answer your Discover Card question better...
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OK, she can say that but lol she said that I should call the CRA and ask them which one she will pull...How would they know which one she would pull?.
They aren't psychic. This post has been edited by. Unas2k5. : 14 January 2010 - 05:52 AM.. |
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From my past experiences with CSR you have no better than a 50/50 chance of getting the right answer to any question out of the ordinary. I have in the past received from Chase CSR€™s three different answers to when a BT must be paid in full by so no interest would be charged. All three were wrong!!!..
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WOULD THEY REALLY HAVE 3 CHOICES.
3 BUTTONS TO PUSH. CLI HARD>EQUIFAX. CLI HARD>TRANS UNION. CLI HARD>EXPERIAN.. |
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It could be like a bank pulling a credit report for non credit products.
LIKE A SAVINGS ACCOUNT. They don't really push a. HARD BUTTON. .... It is done automatically when they send your information. This post has been edited by. GEORGE. : 14 January 2010 - 08:00 AM.. |
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IME CSR was polite and hesitant ('not sure, but likely EX'). Of course I know it is TU...
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Rorer_714,.
They're always all wrong and always wrong differently. Shane,. I would've laughed in her face. GEORGE,. You're forgetting, Experian is on ice it is inquiry free because it is B*able. This post has been edited by. Unas2k5. : 15 January 2010 - 01:33 AM.. |
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You would think the law of probabilities would work for them once in awhile...
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I asked what report she was gonna pull so I can unfreeze it. She said to contact Transunion ad Experian to ask them what report SHE is gonna pull...
Ron, How can she be so stupid?. This post has been edited by. Unas2k5. : 15 January 2010 - 02:05 AM.. |
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I pulled a TU and my utilization is at 46% 683 Fico for the first time.
Deosn't that mean that I'd be in the 700 club with TU if I pay down my cards? ($2885). B* helped my score BIG TIME. From over 20 inquiries to just 3... |
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Yep, quite possible Unas2k5. Here's my favorite utilization chart for a bit of reference:..
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That was a classic Chase CSR thread. Glad someone else remembers it...
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Why don't you ask her to pull the credit report of your choice?.
Ron... |
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I should've..
They pulled TU and I was denied a CLIIt's a Chase Amazon Visa with a $400 limit opened 2 monhs ago. 683 Fico.. I'm gonna call in for a 2rd recon. This post has been edited by. Unas2k5. : 15 January 2010 - 02:56 AM.. |
