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Do They Mind When You Go In The Back Door?

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beb86
Valued Contributor

Re: Do They Mind When You Go In The Back Door?


@Anonymous wrote:

@SwiftTone wrote:

Sometimes they are a little taken back with the reaction "how did you get this number" or "why are you calling me" attitude at first. But after explaining my situation, they usually understand why I am calling them. I am still a little nervous when calling so I try to solve the issue through the regular channel first.

 

PS: funny title...


Smiley Very Happy


Bahahaha

Message 11 of 27
TheConductor
Established Contributor

Re: Do They Mind When You Go In The Back Door?

+1 Shogun.  If they didn't want you calling those people, they'd change the number and notify only the people they want  to have it of the new number.

 

Many companies that are smart about the way they run their company recognize that it's a good thing for a certain percentage of these issues to enter the system higher up the chain.  That enables the upper echelons of the company to "take the pulse" of how things are going with their customer relations.

 

As someone who has cold-called CEOs for his day job, I will say that while they don't mind getting calls in the executive offices, you can make the situation better for all parties involved and often get a better outcome for yourself by planning ahead. When you know exactly what you want to say, the points you want to convey and the result you want to get, you can keep the call short and sweet and use a minimum of the valuable time of whoever you're speaking to.

 

Respect, courtesy, and efficiency will take you much further on these backdoor numbers than a sense of entitlement will.  For example, if you're calling up a credit analyst for a recon, have copies of your credit reports in front of you and be prepared to discuss what's in them. Present your evidence and make a well-reasoned request for what you want.  Requests, even strong, firm requests, meet a lot less resistance than demands.

 

Ultimately, the best thing you can do is remember that it's a relationship. Companies that really "get" customer service treat their customers as if it's a long-term relationship, and as a customer you can get a lot of mileage out of treating companies the same way - even the companies with terrible customer service.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
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Message 12 of 27
masscredit
Valued Contributor

Re: Do They Mind When You Go In The Back Door?

+1! Very good suggestions and explaination! 

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

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Message 13 of 27
CruzImperial
Established Contributor

Re: Do They Mind When You Go In The Back Door?

I've never had any problems inquiring back there. Remember they are getting paid for it.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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Message 14 of 27
isoldmyatlas
Frequent Contributor

Re: Do They Mind When You Go In The Back Door?

Where's LS with the popcorn GIF??! Smiley LOL


@CruzImperial wrote:

I've never had any problems inquiring back there. Remember they are getting paid for it.


 

TU: 793 (6/13/17) | EQ: 787 (7/17/17) | EX: 788 (6/15/18)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $40,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Citi Home Depot $8,000 (06/2018)
Message 15 of 27
masscredit
Valued Contributor

Re: Do They Mind When You Go In The Back Door?

Some people probably look at the subject then check to see what forum they're on! Smiley Happy

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 16 of 27
Anonymous
Not applicable

Re: Do They Mind When You Go In The Back Door?


@TheConductor wrote:

 When you know exactly what you want to say, the points you want to convey and the result you want to get, you can keep the call short and sweet and use a minimum of the valuable time of whoever you're speaking to.

 

Respect, courtesy, and efficiency will take you much further on these backdoor numbers than a sense of entitlement will. 


This.  

 

I'm not a CEO or anything, and don't work for any bank.  But I do work in an industry where customers like to try and escalate things a lot.  Being management, I get my fair share of calls that weren't channeled through the normal avenues.  If you follow the points above, I'll do what I can.  If you just think you're special and shouldn't have to call regular CSR's, you're not likely to get anywhere with me.  I can bend rules, I can break em...or I can pretend as if they're etched in stone.  Your attitude is the largest determining factor in this. 

 

These points pretty much should be followed on any call to any CSR, for any reason.  Be nice and respectful, and don't waste their time.  They'll be far more likely to respond in kind.

Message 17 of 27
webhopper
Moderator Emeritus

Re: Do They Mind When You Go In The Back Door?


@CruzImperial wrote:

I've never had any problems inquiring back there. Remember they are getting paid for it.


 

Omg lmao. I could include a not so nice response but I will not Smiley Wink
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 18 of 27
LS2982
Mega Contributor

Re: Do They Mind When You Go In The Back Door?




EQ FICO 548 3/3/16
Message 19 of 27
isoldmyatlas
Frequent Contributor

Re: Do They Mind When You Go In The Back Door?


@LS2982 wrote:


Smiley LOL

 

TU: 793 (6/13/17) | EQ: 787 (7/17/17) | EX: 788 (6/15/18)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $40,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Citi Home Depot $8,000 (06/2018)
Message 20 of 27
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