sleepys mattress - hard inquiry

[Anonymous]

my friend went on a job interview with sleepys mattress. They pulled her TU Credit report PP= employment, she was not told they were going to pull her report. Can she dispute this with CRAs, or should she just call sleepys and ask them to delete. Also, is this hurting her score. thanks

[CreditBob]

You can go ahead to dispute the inquiry. One inquiry by itself will not hurt the score. However the fico score looks at different factors such as how many accounts you have applied for, account history, account age, balances, public records, etc. There are different situations. If you would like please feel free to tell us more. But for now this is the best I can do for you based on what information top which you have provided.

[Anonymous]

will she waste her time? Have you ever heard of someone disputing for an inquiry due to employment and getting it deleted?

[Anonymous]

Very few people have had any luck disputing inquiries with the CRA, as they normally won't let you dispute them.

Did she sign for them to check her credit? If so, not much she can do.

Does it show as a hard or soft inquiry?

Inquiries and "new credit" are in one category that affects 10% of your score.

How much this one inquiry is hurting her score is unknown. How many other inquiries is there? How old are they?

Inquiry 1 affects score the most

Inquiry 2 affects a little less

Inquiry 3 a little less than inquiry 2

and so forth until they really don't have no effect.

My spouse has quite a few, as I do as well on EQ. Haven't noticed any changes with recent EQ inquiries.

Message Edited by sidewinder on 06-29-2008 03:55 PM

[Anonymous]

she went for employment but and filled out an application but never gave any permission to pull a report. On her report it states PP= Employment, she wants to dispute it

[shyboy]

Maybe it was in fine prints on the bottom or the back of the application

[Anonymous]

PP=Employment is a Soft Pull.......It says so on the bottom of all the reports you buy off of MyFico.

It will show up on her report, but if you look closely it is under a separate category for inquiries not affecting your score.

[Takunda1]

When I applied with Cap One Auto, I also got a hard pull thru TU, however it did not affect my score. I think employement inquiries are coded differently so they don't affect your score. I can also guarantee that she did sign authorizing for a credit check , but just didn'e realize it. Most of the time its in a bunch of forms that you have to sign.  Tell your friend to be careful too, becuase if she disputes the inq and the CR actually investigates it sending a letter to the company that pulled saying this person is disputing this inquiry, they may be viewed as being dishones if they actually signed the consent form.

[Anonymous]

thanks everyone, i will let her know that is does not affect her score.