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laurenne's profile

Contributor

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1 Message

Sun, Oct 7, 2018 6:13 PM

14 hard credit checks over 3 days, major hit to credit score

Hi there,

 

I started a new wireless account with AT&T a few weeks ago, I brought my own phone so I was just signing up for the wireless usage.

I am new to the US from Canada, so I already knew my credit score would be low and that I may have to pay account activiation and deposits, no problem.

 

I arrive to my new apartment to 14 letters from AT&T, each stating that a credit check has been processed and showing my score. Opening each of these letters, I watched my credit score get cut in half by the last and final one.

 

I have called AT&T and they have told me that I need to manage this myself by calling each of the Bureaus and getting reports and disputing the credits checks.

 

Is this legal? It's definitely not ethical, but can AT&T run more than 1 credit check if I give them permission to run it once? Is there actually nothing AT&T can do now to help me? They basically cause the damage then tell me to run around to do damage control.

 

QuarryRye

Master

 • 

3.2K Messages

3 y ago

AT&T carried out the credit checks, so they can't tell the credit bureaus that they didn't do them. Although it sounds like the credit checks over the course of three days were excessive, you authorized the credit check so they can do it as many times as they like. Ethically, I doubt anyone would have expected your credit to be so bad that a check would cut your score in half.

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