Reply
Established Member
SomeGuyOnTheWeb
Posts: 21
Registered: ‎01-11-2014

Applied for new phone service. Multiple hard inquiries?

I wasn't sure where else to put this, but hopefully someone can help me.

 

My contract with Verizon recently ended, so I decided to go TMobile as they have the Galaxy S3 Note with the $0 offer with approved credit. The first time I tried to apply for the phone online and was approved, but the system timed out and gave me an error. So I went to the store. They ran my credit again and I was approved. Unfortunately, there was a problem with the order, so it had to be cancelled. The store associate said they would have to run a credit check one more time to get my order reprocessed. I consented because I really wanted the phone. Now I'm wondering if I made a mistake.

 

Are all of those considered to be one hard pull or is it three seperate pulls? And if it's three seperate pulls, how do I go about disputing that, if it can be disputed at all?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Applied for new phone service. Multiple hard inquiries?

[ Edited ]

Hi and welcome to the forums.

 

They are all legitimate pulls and would be scored individually.

 

Generally inquiries cannot be disputed.  But, I would contact T-Mobile and explain what happened and see if they would be willing to either remove 2 of them or recode to a SP.

Established Member
SomeGuyOnTheWeb
Posts: 21
Registered: ‎01-11-2014

Re: Applied for new phone service. Multiple hard inquiries?

Dang. I was afraid of that. So outside of asking TMobile to remove two of them they're going to hurt my credit for two years?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Applied for new phone service. Multiple hard inquiries?

[ Edited ]

Inquiries are only factored into your score for 1 year but remain on your report for 2.

 

Nothing that I know of.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+