I just got an alert from TransUnion because Sears/Citi did an inquiry.  I did not request a CLI.
However, I did do a couple things yesterday -
1 – paid my balance in full
2-Â requested a replacement card
Could either of those reasons have caused it?
Going to stick it in the sock drawer for now.  i had cut up most of my cards a few months back so i wouldnt be tempted to use them until they were all PIF. I had been carrying month to month balances for the last 18 months or so. NEVER AGAIN!
Also, is this inq a hard pull since I got an alert on it? Alert is not from scorewatch although I subscribe to that as well. This is from FAKO – truecredit. I use them as well so I can pull my reports daily. I’m OCD with my credit scores right now as I have taken a huge hit due to special forbearance/loan modification process. Hopefully that will get resolved soon too. I am in review this week to get switched from an inhouse special forbearance to a perm modification.
On the positive side, as of today I am debt free minus my mortgage and car loan. Doing a major happy dance. Worked very hard to get to this day!!!!:smileyvery-happy: