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Deceived into a hard credit pull, can I get it removed?
I purchased a car in 2011 and was given a 5.99% rate through a credit union and told after 6 months of timely payments I may be eligible for a lower interest rate based on credit improvement. Finally decided to call the credit union and spoke with a rep that said they called it "Credit Tiering" and based on my current credit score I could qualify for the next best tier, when asked to see if it was worth it she explains several things: In 2011 your score was 676 placing you in a "C" tier and a rate of 5.99%, if your score were to be 4 points higher "680" you would then go to the "B" tier with a 3.99 or 4.24% rate. No brainer, I've got those points no problem. She pulls the credit, I've got more than enough 694 she tells me what my new rate and payment will be and tells me I would receive an email once the loan officer approves the final change the next day...Next day, no email, no call. I call and am now being told sorry the rate was 676 in 2011 but then adjusted by the dealership to 685 putting you in the "B" tier at 5.99% already,you can not get anything different. WHAT!!!! After speaking with a supervisor and him listening to the call, we wait but my thing is this as I stressed to the first, second and third person. I would've never allowed them to touch my credit "hard pull" unless this person did not specify that I stood to save on my current rate. Can I have them remove the hard pull because I was deceived into it in the first place??? Thanks guys

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