Citicards Complaint - Secured Credit Card Will Hurt Your Credit At The 18 Month Mark
I paid all of my payments on time. At the 18 month mark I checked my Transunion credit report because of an alert I received. Turns out my credit score dropped 7 points from the inquiry Citicards did to review my credit to determine whether or not they would give me an unsecured credit card. After 18 months of working on my credit score to raise it 20 points it dropped 7 points due to an unauthorized credit check without any warning. Unfortunately there is no way to remove the inquiry or make up the 7 points. I spoke with a manager and he told me the only way to prevent the credit inquiries is to cancel my card.
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