Ask a question
Search in U-verse Forums

U-verse Forums

Reply
Posted Mar 8, 2013
5:50:49 PM
View profile
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?

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?

unauthorized hard pull from ATT

5,971 views
10 replies
(0) Me too
(0) Me too
Reply
View all replies
(10)
0
(0)
  • Rate this reply
View profile
Mar 8, 2013 6:43:31 PM
0
(0)
Scholar

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

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

Re: unauthorized hard pull from ATT

2 of 11 (5,962 Views)
0
(0)
  • Rate this reply
View profile
Mar 8, 2013 6:57:03 PM
0
(0)
Professor
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."
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________
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."
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________

Re: unauthorized hard pull from ATT

3 of 11 (5,954 Views)
0
(0)
  • Rate this reply
View profile
Mar 8, 2013 6:59:48 PM
0
(0)
Professor

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.

________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________

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.

________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________

Re: unauthorized hard pull from ATT

4 of 11 (5,953 Views)
0
(0)
  • Rate this reply
View profile
Mar 9, 2013 12:58:07 AM
0
(0)
Scholar
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.
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.

Re: unauthorized hard pull from ATT

5 of 11 (5,915 Views)
0
(0)
  • Rate this reply
View profile
Mar 9, 2013 8:18:13 PM
0
(0)
Professor
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.
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________
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.
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________

Re: unauthorized hard pull from ATT

6 of 11 (5,877 Views)
0
(0)
  • Rate this reply
View profile
Apr 6, 2013 6:25:08 PM
0
(0)
Contributor

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.

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.

Re: unauthorized hard pull from ATT

7 of 11 (5,650 Views)
0
(0)
  • Rate this reply
View profile
Apr 6, 2013 10:40:07 PM
0
(0)
Professor
Any time you add a line, ATT has to run a credit check, regardless if you are an existing customer.
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________
Any time you add a line, ATT has to run a credit check, regardless if you are an existing customer.
________________________________________________________________

"Ren: Now listen, Cadet. I've got a job for you. See this button? Don't touch it! It's the History Eraser button, you fool!

Stimpy: So what'll happen?

Ren: That's just it. We don't know. Maybe something bad, maybe something good. I guess we'll never know, 'cause you're going to guard it. You won't touch it, will you?"
________________________________________________________________

Re: unauthorized hard pull from ATT

8 of 11 (5,641 Views)
0
(0)
  • Rate this reply
View profile
Nov 7, 2013 5:48:43 AM
0
(0)
Contributor

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.

 

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.

 

Re: unauthorized hard pull from ATT

9 of 11 (5,058 Views)
0
(0)
  • Rate this reply
View profile
Nov 7, 2013 7:35:30 AM
0
(0)
Community Manager

Hello LaticiaFreedman, welcome to the forum and thank you for posting.

 

I apologize for your bad experience with AT&T. I got a mortgage not too long ago and I know how important a credit score/report is. It sounds like you're getting your issue resolved, I hope everything gets fixes very soon. If there is anything our team can do for you, please feel free to contact us via private message by clicking here.

 

Thanks again,

Dmitriy


Rethink Possible


Did a post have a solution that worked for you? Help other people find solutions faster by marking posts that helped you as an "Accepted Solution". Learn about accepted solutions: Learn More.

Hello LaticiaFreedman, welcome to the forum and thank you for posting.

 

I apologize for your bad experience with AT&T. I got a mortgage not too long ago and I know how important a credit score/report is. It sounds like you're getting your issue resolved, I hope everything gets fixes very soon. If there is anything our team can do for you, please feel free to contact us via private message by clicking here.

 

Thanks again,

Dmitriy


Rethink Possible


Did a post have a solution that worked for you? Help other people find solutions faster by marking posts that helped you as an "Accepted Solution". Learn about accepted solutions: Learn More.

I am an AT&T employee and the postings on this site are my own and don’t necessarily represent AT&T’s position, strategies or opinions.
*I am an AT&T employee and the postings on this site are my own and don’t necessarily represent AT&T’s position, strategies or opinions.

Re: unauthorized hard pull from ATT

10 of 11 (5,041 Views)
0
(0)
  • Rate this reply
View profile
Jun 16, 2014 11:54:30 AM
0
(0)
Contributor
Edited by toshika15 on Jun 16, 2014 at 1:00:07 PM

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

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

Re: I have recieved 4 unauthorized hard pulls from ATT

[ Edited ]
11 of 11 (4,066 Views)
Advanced
You must be signed in to add attachments
Share this post
Share this post