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unauthorized hard pull from ATT

Scholar

unauthorized hard pull from ATT

I was told new services would be a soft inquiry. Upon reviewing my credit file, I saw that there was both a soft pull and a hard pull of my credit report on the same day. I'd like to get this unauthorized hard inquiry removed.

 

Can the monitoring party of this forum please contact me to have this done ASAP?

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Message 1 of 10
Scholar

Re: unauthorized hard pull from ATT

Is it POSSIBLE to have an inquiry removed once it has been done?  

Message 2 of 10
Anonymous
N/A

Re: unauthorized hard pull from ATT

The Soft Pull is the initial and will tell them if they need to only ask for a Credit card. If the Soft comes back that your credit rating is not good, then they will dig deeper and do a hard pull to see if you need to do a deposit to have service, or do not qualify at all for service, due to things on your history showing you are not being a good consumer.

It is the nature of the beast. BTW, the Soft will go away within 90 days, the hard rolls off within 12 months. Really nothing to worry about, unless you are one of these fanatics that wants the perfect credit score, and to show people that as Dave Ramsey says "You love to spend money, not save it."
Message 3 of 10
Anonymous
N/A

Re: unauthorized hard pull from ATT


cl76179 wrote:

Is it POSSIBLE to have an inquiry removed once it has been done?  


You have to dispute it with the credit bureau that it showed up on the report with, they will look into it, and send you a confirmation usually within 30 days max, if they were able to remove it or not.  I have seen it as quick as 2 weeks when I disputed something on mine, and was sent a confirmation from the bureau stating it was wiped off.

Message 4 of 10
Scholar

Re: unauthorized hard pull from ATT

Credit bureau says AT&T has to remove. I am buying a home and have to explain every thing. I asked up front and was told soft inq. I made myself clear that I will not auth a hard pull.
Message 5 of 10
Anonymous
N/A

Re: unauthorized hard pull from ATT

ATT will not remove it, unless they see that it was in error. And that can take 90 days to have them go through the process, due to how the reports are updated, which some take anywhere from 30 to 60 days.

All you can do is have them send you a letter, which you can hand to the adjuster that is reviewing your mortgage application. Really, unless you have mid to poor credit, something like this is not going to affect you with the mortgage really, if you have your ducks in a row.

I would wait and see what the mortgage company states, and go from there, when they go to finalize the sale of the place you are in the process of purchasing. This "hard pull" may not even come up during their review of the big picture in your spending & payment habits that is really what a credit report is about.

You also cannot tell them they are not able to do a hard pull, it is up to what the computer does, when you get to that part during the sign up of service with ATT. The Customer Service Rep has no control over how you are reviewed for whether you qualify or not.
Message 6 of 10
Teacher

Re: unauthorized hard pull from ATT

did you have any success with this issue?  

 

I just received a copy of my Equifax credit report and I see two hard inquiries dated 9/14 and 12/29.  I signed up for new AT&T Wireless service which would probably explain the 9/14 inquiry.  However, thereafter when I added a second line as well as AT&T U-verse service I wans't informed of the need for a second credit pull.   

 

Both inquiries are listed as AT&T with the same address/contact information.

Message 7 of 10
Anonymous
N/A

Re: unauthorized hard pull from ATT

Any time you add a line, ATT has to run a credit check, regardless if you are an existing customer.
Message 8 of 10
Contributor

Re: unauthorized hard pull from ATT

I have documented proof from an ATT representative I've been in dispute with stating "the credit pull is always a soft credit pull for service" I have forwarded the information to the fraud department as requested and filed a dispute with the bureau but am now waiting for them to "code" the fax I sent from 2 days ago before they will take any action.

 

It seemed like I was finally getting somewhere (this has been in dispute for 2 months now) and after being handed around several specialists saying they can't remove the enquiry and "sorry for the inconvenience" I'm stuck with a new excuse.

 

Considering I've sent documented proof, I was assured it would be removed. This is a violation of the FCRA and needs to be handled.

 

note: to the above posters statement about seeking perfect credit...There are lots of people making long term credit goals that require taking care of their credit to establish sensible things like mortgages and investments. 

I personally don't accept bad business practices and will make sure I'm not a victim of poor company training.

 

Message 9 of 10
Contributor

Re: I have recieved 4 unauthorized hard pulls from ATT

I applied for new services on 6/06/2014. I have encountered several issues with getting my order completed. I have had to call the customer service line several time last week. They ask for my SS#, but assure me each time since my credit was pulled on 6/6/14 it will not be pulled again, They only need my SS# so they can pull the order.  Upon reviewing my credit file, I saw that they hard pull of my credit report on the same on 5 different days last week between 06/06-06/14/2014 . I'd like to get this unauthorized hard inquiry removed ASAP!!!

 

Can the monitoring party of this forum please contact me to have this done ASAP at toshika15@gmail.com Thank You

Message 10 of 10
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