Reply
Valued Contributor
Posts: 2,732
Registered: ‎08-13-2009
0

WFNNB

In reviewing my credit report from Experian, I noticed that WFNNB has pulled my credit often.  I did some googling on the net.  It appears that WFNNB is a large bank with many different store credit cards.

 

Went back and compared the dates of the soft pulls and the hard pull on my credit report.

 

They match EXACTLY tothe dates I shopped at a retail store.

 

Those dates matchEXACTLY to the dates I paid via credit card (I used several different cardsissued by different banks). 

 

I had not applied for thestore card until this last visit (which is the hard pull).

 

My questions are

 

1 – how can they use mycc to get my personal data to do a soft pull?

2 – legally, can theydo a soft pull without my permission?? (I had not applied for credit those visits.)

3 – besides using cash (which I have at that store and there are no pulls for those dates), how can I prevent or avoid them pulling my credit?

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: WFNNB


IOBA wrote:

In reviewing my credit report from Experian, I noticed that WFNNB has pulled my credit often.  I did some googling on the net.  It appears that WFNNB is a large bank with many different store credit cards.

 

Went back and compared the dates of the soft pulls and the hard pull on my credit report.

 

They match EXACTLY tothe dates I shopped at a retail store.

 

Those dates matchEXACTLY to the dates I paid via credit card (I used several different cardsissued by different banks). 

 

I had not applied for thestore card until this last visit (which is the hard pull).

 

My questions are

 

1 – how can they use mycc to get my personal data to do a soft pull?

2 – legally, can theydo a soft pull without my permission?? (I had not applied for credit those visits.)

3 – besides using cash (which I have at that store and there are no pulls for those dates), how can I prevent or avoid them pulling my credit?


By opting out. You will also not receive another pre-app offer while you are opt'ed out.

Valued Contributor
Posts: 2,732
Registered: ‎08-13-2009
0

Re: WFNNB

Thank you for your response. 

 

I probably should have clarified.  I am already "opted out" of offers from the cb's and have been for years.  It is still in effect (I verified it yesterday).

 

The credit pulls were done without my knowledge and without my permission.  (Again, I have been opted out for years.)

 

They only occur at that store (DressBarn) when I use a credit card (it doesn't seem to matter which cc I use).

 

I know I have two options.  

 

-- avoid DressBarn

-- avoid paying by cc if I do make a purchase

 

Them pulling credit without permission doesn't seem right.

 

More feedback? 

 

 

 

Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: WFNNB

The soft pulls might have been promo softs. These don't allow a lender to see your full report, just your demographics and a vague outline of your general credit picture. If that's what these were, they might have realized that you're a regular shopper, and they want to see if you're a good potential CC customer.

But if these are account review or account maintenance softs, or if they are hard inqs, I don't see that they have permissible purpose.

Oops, I just looked again, my bad: if you're opted out, they can't even do softs. You would have to be an existing customer. You might have a check coming your way for them not having PP (permissible purpose) to pull your reports.

non-authorized inq letter
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 2,732
Registered: ‎08-13-2009
0

Re: WFNNB

Thank you for the reply.

 

I am not a "regular" shopper by any means!  This girl does not like to go shopping!   Which is why the dates really stood out. 

 

I will have to find the address of where to send the letter to WFNNB.  Do you have any suggestions for that?  On the credit report, it lists one hit as WFNNB-WFCB/ALLIANCE DATA, WFNNB, WFNNB/WOMAN WITHIN, WFNNB/DRESS BARN.

 

I can not figure out how to go back and see my free credit report.  Dang it! 

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: WFNNB


IOBA wrote:

Thank you for the reply.

 

I am not a "regular" shopper by any means!  This girl does not like to go shopping!   Which is why the dates really stood out. 

 

I will have to find the address of where to send the letter to WFNNB.  Do you have any suggestions for that?  On the credit report, it lists one hit as WFNNB-WFCB/ALLIANCE DATA, WFNNB, WFNNB/WOMAN WITHIN, WFNNB/DRESS BARN.

 

I can not figure out how to go back and see my free credit report.  Dang it! 


Call whoever it is you ordered it from and they should be able to help you get it back up. The address is on the report.

Established Contributor
Posts: 717
Registered: ‎03-05-2008
0

Re: WFNNB

I think I am really confused. Companies must have permissible purpose for a soft pull? I thought soft pulls do not affect your rating and no one sees them except the party who had their credit pulled. Opting out "locks" companies from soft pulls?  I thought only locking your account with each bureau would do that.

 


haulingthescoreup wrote:
The soft pulls might have been promo softs. These don't allow a lender to see your full report, just your demographics and a vague outline of your general credit picture. If that's what these were, they might have realized that you're a regular shopper, and they want to see if you're a good potential CC customer.

But if these are account review or account maintenance softs, or if they are hard inqs, I don't see that they have permissible purpose.

Oops, I just looked again, my bad: if you're opted out, they can't even do softs. You would have to be an existing customer. You might have a check coming your way for them not having PP (permissible purpose) to pull your reports.

non-authorized inq letter

 


Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: WFNNB

The PP is for looking at your private info, so that applies to hard inqs and to account maintenance/ account review soft inqs. The violation is not in sticking you with an inq on your reports; it's seeing your social and your accounts and your negatives and your balances and on and on.

Since a promo soft doesn't give all this detailed info, it's OK.

Opting out blocks promos, but not AR/ AM softs for existing accounts. But if you don't have an existing account, a lender has no business looking at your reports via an AR/ AM soft.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Highlighted
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: WFNNB

I wonder exactly what information you need to obtain a PRM INQ regarding someone's credit and what exactly is returned. To me this whole business seems a bit slippery.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.