I had a credit card with this bank which I recently canceled. I pulled a credit report and I discovered this company pulled a hard credit report of mine. Hard reports lower your credit score and should only be pulled when a consumer applies for credit. I called them and they said they did it to check up on me. All of my other credit card companies pull a soft report that will not lower your credit score. I think they may be doing this to lower credit scores of their consumers so they can charge higher rates.
Anyone else had this problem?
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