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Frequent Contributor
racer-x
Posts: 374
Registered: ‎09-16-2012

HP for DirectTV and phone company, dayum

I specifically asked directtv and the phone company if they were going to be soft pulls when they asked for my ssn. They told me soft.

I just got a myfico alert, 2 new inqs. Score dropped 5 pts.

Can direcrttv and phone company remove them when i call and raise hell tomorrow?

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009

Re: HP for DirectTV and phone company, dayum

The problem you are going to run into is that without a recorded record of the phone call there is no evidence of the promise made by the customer representative. And then secondly they are likely to say that the representative misunderstood the details of the question. The bottom line is that as frequently discussed on these boards is that service providers have a "permissible purpose" to check your credit profile for services ordered. Now if you were just calling to inquire about cost of service and did not place an order that may be a different argument.

 

The inquiries will remain on your report for two years but are only factored in FICO scoring for one year. And their relative importance lessens during the one year scoring time frame. There is no method to dispute inquiries with the credit bureaus and it is exempted from direct dispute with the service provider. Take it as a lesson learned and a minor frustration. There are bigger deals in credit reporting (and life) to be concerned over.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


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Frequent Contributor
racer-x
Posts: 374
Registered: ‎09-16-2012

Re: HP for DirectTV and phone company, dayum

I talked to DirectTV this morning.  The lady was great.  I basically filed a dispute with DTV explaiining how I was told by the rep that it would be a soft pull and not be reported/show up on any CRA.  I also explained how I am buying a house in the future and am trying to keep any additional inquiries from hitting my reports.

I also explained, had I known it was going to be a HP, that I would NOT have purchased their product.  I made sure she realized that for me,  buying a house and having my credit in the best shape possible, is more important than me saving $75 a month for DirectTV.  And that is the truth.  I would not have gotten DTV at the cost of 2 HP's.

 

She said WHEN, not if, I receive my letter of removal by DTV, that I need to call EQ and confirm that the inquiry had been removed.  She actually gave me the number for EQ that I have on file or use in these circumstances.  Could be the same number for everybody, but nonetheless, I accepted the number that she offered.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007

Re: HP for DirectTV and phone company, dayum

I hope they follow through.

If you actually filed a direct dispute with them, and they are aware of the direct dispute rules, they could summarily dismiss it.

Disputes over credit inquiries are specfically excluded from the direct dispute process.

 

As to whether they can "remove," the CRA may decline to do so, as the toothpaste is already out of the tube.  They sent the CR, so can assert that they must retain their records of the requestor's statement of permissible purpose.  So it will most likely involve their change of the inquiry code, which would have to come from the inquiree.

 

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: HP for DirectTV and phone company, dayum

I have Directv and they did state that they needed to pull my credit to see what tier and financing options are available


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
racer-x
Posts: 374
Registered: ‎09-16-2012

Re: HP for DirectTV and phone company, dayum

They told me it would be a soft pull vs a hard pull.  There lies the problem.

 

DTV said they would remove the HP and should be gone from the report within 45 days.

 

 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: HP for DirectTV and phone company, dayum


racer-x wrote:

They told me it would be a soft pull vs a hard pull.  There lies the problem.

 

DTV said they would remove the HP and should be gone from the report within 45 days.

 

 


Thats awesome man


$100K in Credit
Last Credit Card App: 11/16/13

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