topic Re: VERIZON PULLS HARD!!!!!! in General Credit Topics

VERIZON PULLS HARD!!!!!!

Anonymous — Tue, 03 Jun 2008 01:32:22 GMT

I bought Verizon today as my AT&T has no service in most of New England. I specifically asked them if they pulled hard and they said no. Now I see a hard on my EX and I am peepeed off. I will take it back tomorrow but I will have to raise hell to get the inq removed ( I imagine). Anyone else have this happen. It wouldn't bother me so much but I have been looking to buy a home.

Re: VERIZON PULLS HARD!!!!!!

Schoolbuskid — Tue, 03 Jun 2008 02:28:49 GMT

Verizon never pulled my credit report when i bought their service back in 05, im in NC also! They dont even report the account and thank god they dont either, because my credit would definitely be horrible! Ive had my service disconnected so many time it aint funny and past dues were racking up, but that was when my mom was making the payment since she is on my plan! Now i make them and have not missed a payment yet hopefully i wont!

Re: VERIZON PULLS HARD!!!!!!

mrlimo — Tue, 03 Jun 2008 04:00:22 GMT

That is one of the issues I am faced with now. It has been two years since I started my contract with Verizon, the last hard inq still has not dropped off of reports (2 years) and now they are hounding me in trying to resign another contract already. Trying to get me with your elegible for a new phone if I resign, blah,blah,blah...

Re: VERIZON PULLS HARD!!!!!!

Kris1228 — Tue, 03 Jun 2008 04:13:23 GMT

I am a wireless provider employee and anytime you sign up for NEW service with any Provider it will result in a hard pull. I bet the store rep was young and probably didnt know what a Hard pull actually was. If you upgrade later down the line there will not be any addtl pulls. Also wireless providers do not report your late payments, unless the account is disconnected for non payment and is eventually sent to collection agency and charged off.

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Tue, 03 Jun 2008 13:32:46 GMT

so it just hurts your inquiries and does nothing for your credit history.
I was down to 3 on EX and now back to 4 and if they pull for mtg it will be 5. Last time I had 5 inqs my score went down 19 points. I am upset they lied to me. I switched from AT&T.

Re: VERIZON PULLS HARD!!!!!!

mrlimo — Tue, 03 Jun 2008 14:19:04 GMT

casinoannie97 wrote:
so it just hurts your inquiries and does nothing for your credit history.
I was down to 3 on EX and now back to 4 and if they pull for mtg it will be 5. Last time I had 5 inqs my score went down 19 points. I am upset they lied to me. I switched from AT&T.

In one years time it will not make a difference as for the inq, it will stay on your record for 2 years but only count against your fico for 1 year. As for Verizon, I switched from Nextel to t-mobile then from t-Mobil to Verizon and hands down I enjoy the service I receive with Verizon's coverage of area, in my area (Philadelphia PA area) Way less dropped calls then both t-mobile and especially nextell.

If your not going to be applying to anything for the next year not a big deal at all.

Re: VERIZON PULLS HARD!!!!!!

MidnightVoice — Tue, 03 Jun 2008 14:33:24 GMT

Can I please repeat my rant about Cingular? Pretty Please?

Re: VERIZON PULLS HARD!!!!!!

mrlimo — Tue, 03 Jun 2008 14:42:33 GMT

MidnightVoice wrote:
Can I please repeat my rant about Cingular? Pretty Please?

Sure MidnightVoice rant away....

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Tue, 03 Jun 2008 15:40:58 GMT

Love Verizon. They did a hard pull on me when I started. I just resigned another contract, it did NOT result in another hard pull.

I'm an ex Nextel/Sprint employee - a week before my layoff date from Sprint, I switched to Verizon and have never looked back.

Re: VERIZON PULLS HARD!!!!!!

Scamp — Tue, 03 Jun 2008 19:53:19 GMT

MidnightVoice wrote:
Can I please repeat my rant about Cingular? Pretty Please?

MV, I've read about this legendary Cingular Rant of yours since joining that I'm dying to know what it was! lol. I have a couple of my own, as well, so I'm sure I'd have much empathy for you.

If I do a search on MV's Cingular Rant, will I find it?

Re: VERIZON PULLS HARD!!!!!!

TopCat99 — Wed, 04 Jun 2008 00:09:28 GMT

@scapegrace13 wrote:

@MidnightVoice wrote:
Can I please repeat my rant about Cingular? Pretty Please?

MV, I've read about this legendary Cingular Rant of yours since joining that I'm dying to know what it was! lol. I have a couple of my own, as well, so I'm sure I'd have much empathy for you.
If I do a search on MV's Cingular Rant, will I find it?

Yeah, share with the n00bs

To the OP: VzW did a hard pull when I first signed up. I received no reporting or additional pulls when upgrading (new contract) or even adding lines (again, new contract). For the latter, the CSR--and he was corporate, not a mall kiosk kiddie--said there was no need for a CR pull as I had sufficient billing history.

(Actually, this was two years before VzW even came to be. I feel old now...)

Sprint/Nextel also did a hard pull when I looked at them for mobile data.

Re: VERIZON PULLS HARD!!!!!!

Kris1228 — Wed, 04 Jun 2008 01:28:52 GMT

Yes- Unfortunately it does not report on your credit when you make your monthly payments on time.. I know it sucks, but some people have big deposits if they have not so good credit so if they run up a 1000.00 bill (which is easy to do) at least we pocket the deposit. Most times after 12 months of ontime payments your deposit will be refunded. Any new lines of service you add, upgrading, etc will not result in another hard pull. Sometimes the sales reps will say anything to a customer to get a new activation. I hate it!!!! But it happens all the time.

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Wed, 04 Jun 2008 12:32:42 GMT

I wouldn't mind the pull if it wasn't EX. Now if I go for mtg. it will put me at 5.

Re: VERIZON PULLS HARD!!!!!!

MidnightVoice — Wed, 04 Jun 2008 14:51:27 GMT

When I got my Cingular they harded me on EQ. Ok, I have to accept that. But 6 months later (perfect payment) I added my wife (I had to wait for her Sprint plan to expire because of the ridiculous fees - and they wouldn't let me port the number before the plan expired). So Cingular harded me again - and all they really needed was a soft. It was the second hard that really, really POed me

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Wed, 04 Jun 2008 15:29:34 GMT

when i got cingular they didn't hard me but they have no service in most of New England I was with them 6 years. they are now AT&T.

Re: VERIZON PULLS HARD!!!!!!

Scamp — Thu, 05 Jun 2008 03:49:50 GMT

MidnightVoice wrote:
When I got my Cingular they harded me on EQ. Ok, I have to accept that. But 6 months later (perfect payment) I added my wife (I had to wait for her Sprint plan to expire because of the ridiculous fees - and they wouldn't let me port the number before the plan expired). So Cingular harded me again - and all they really needed was a soft. It was the second hard that really, really POed me

Ah, so. Thanks for clue-ing in those of us who missed it the first time around!

I hope you gave them a solid piece of your mind in a few well-chosen words!

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Sat, 07 Jun 2008 00:38:04 GMT

I don't understand why they can't do a soft. I have comcast dsl-phone and tv and they didn't pull hard or soft.

Message Edited by casinoannie97 on 06-06-2008 05:38 PM

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Tue, 26 Aug 2008 03:50:56 GMT

So does anyone know who Verizon pulls from and what score will get you service with no desposit? I have shared a family plan with my mom since I was in high school and now I'm 30 and she's not keeping up with her end of the bill. Its long been overdue for me to get my own account but I've had the same number the entire time and its just been easier to keep them together. I think she has gotten too far past due this time and our phones may be turned off this week. Its my mom, and I love her but I can't keep making her payments. When the inevitable does happen I'd like to know if I will have to pay a huge deposit. It sucks that I've had perfect payment history with them for 14 years and they don't know that cause it wasn't in my name.

Re: VERIZON PULLS HARD!!!!!!

Anonymous — Tue, 26 Aug 2008 06:00:14 GMT

Freeze and unfreeze... It works. Freeze before applying for celphones, telephones and new bank accounts. Even shopping around for new cars.

Re: VERIZON PULLS HARD!!!!!!

cw81 — Tue, 26 Aug 2008 10:33:20 GMT

@Anonymous wrote:
Freeze and unfreeze... It works. Freeze before applying for celphones, telephones and new bank accounts. Even shopping around for new cars.

Could you explain the freeze and unfreeze for we the uninitiated. For example If I was trying to open an account with BofA which normally uses EX how do I use that to my advantage thanks