Re: HP for DirectTV and phone company, dayum
01-25-2013 11:07 AM
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 702 Walmart TU 694 EX/Direct.com 716
Goal Score: 750
US Bank PLOC-$15K, CapOne/HSBC Visa-$15k, US Bank Visa- $10k, DCU Visa-$10k, USAA Visa-$6k, CapOne Visa-$5k, GECU-$3500, Discover IT-$1875, Lowes-$1650, Walmart-$1600, BoA Visa-$1500, Paypal Xtras MC-$1.5k, US Bank RLOC-$750
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