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AT&T hit

Frequent Contributor

AT&T hit

Is AT&T a hard hit and how much will it affect me?  I got cable & internet service with them but had no idea they would hit my report.  Thanks.

4 REPLIES
Super Contributor

Re: AT&T hit

Are you asking about a hard pull for a new mobile phone contract ? Most hard pulls would be a relatively small score ding, like under 10 pts, but YMMV.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor

Re: AT&T hit

It was for cable internet service not mobile phone service.    I thought I put down what it was in the original post.

Community Leader
Epic Contributor

Re: AT&T hit

When a consumer initiates a business transaction, even though it does not involve the specfic extension of monetary credit, the business can pull your credit report as long as they can assert a "legitimate business need" for the information.  Extension of goods or services that could potentially go unpaid usually constitute a legitimate business need.

 

Such a transaction can be coded as a so-called "hard pull," as it is has express permissible purpose under FCRA 604.  "Soft pull" coding is discretionary, and the way a business or creditor is able to do that is a mystery that remains unknown, at least to me.  It is unregulated under the FCRA.

Regular Contributor

Re: AT&T hit


babbles wrote:

It was for cable internet service not mobile phone service.    I thought I put down what it was in the original post.


Yes it will be a hard pull



Starting Score: 502 5/4/2012
Current Score: 640 08/03/2012
Goal Score: 700


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