FICOfreak Posted March 26, 2009 Report Share Posted March 26, 2009 Hi, I have a question that doesn't quite fit into the normal rules and understood "pull factors."I recently (within past 12 months) RE-opened a Citi card that I had already had for 4 years as an open active credit card, but after a year of non-use, they closed it without notifying me (normal these days.) Well, it was a great low interest rate and had reported as perfect for all those years and so forth, so I decided to call Citi and have it RE-opened. Now, since all they were doing was RE-opening the card (same exact account number, same limit, same history and "opened" date) when they did a check on my credit to activate it once again, is that a hard (detrimental) pull, or a simply soft pull seen as someone I am already/have been doing business with?The part that upset me was that the associate on the phone did not tell me or even inform/ask me that he was doing a credit pull to activate my card once again... ugh!Does anyone have any advice on this or any insight? Like I said, it doesn't fit into that perfect box of rules for pulls that do/don't affect your score.Thanks a lot! Link to comment Share on other sites More sharing options...
willingtocope Posted March 26, 2009 Report Share Posted March 26, 2009 IMO, its effectively "new" credit...therefore, its a hard pull. Link to comment Share on other sites More sharing options...
FICOfreak Posted March 27, 2009 Author Report Share Posted March 27, 2009 IMO, its effectively "new" credit...therefore, its a hard pull. Gotcha... that stinks, this summer every single last INQ was going to be off of all 3 of my reports, now it'll be another 2 years... oh well, they don't matter that much, and I only have 4 total. Link to comment Share on other sites More sharing options...
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