topic Re: Hard pull from DIRECT TV (utility company) Help! in General Credit Topics

.

Achieve2012 — Mon, 26 Jul 2010 23:07:48 GMT

Re: Hard pull from DIRECT TV (utility company) Help!

Junejer — Sat, 10 Jan 2009 15:50:27 GMT

If I were you, I would send a letter asking them to recode as a soft. Also, I would contact the BBB and alert them of this practice. If you search "hard pull direct tv", you will likely find a lot of posts about it and what members did to rectify the problem. If they don't respond to the letter, send an ITS letter.

Re: Hard pull from DIRECT TV (utility company) Help!

Anonymous — Sat, 10 Jan 2009 18:21:07 GMT

The spouse and I just recently switched to Direct TV(if they ever show up, been waiting since 8am yesterday but that is a different rant) and the spouse is the one that called in.

They specifically said "we are going to pull your credit report". Now, we didn't inquire as to whether it would be a soft or hard, as we figured it would be a hard.

I have my doubts on whether their CSR know the difference in hard/soft. Maybe they think since they don't actually see your entire report on their screen, just a simple approve/deny, that it is a soft. Who knows.

But, as ByrdMan mentioned, there are many posts about this and members who were told it would be a soft hit.

Re: Hard pull from DIRECT TV (utility company) Help!

Junejer — Sat, 10 Jan 2009 19:23:39 GMT

Sidewinder, I agree with you about the CSRs probably not knowing the difference, but I would bet you that the muckety-mucks know the difference, and with enough complaints to the same, should disseminate the information. Training on something like this should not be difficult.

Re: Hard pull from DIRECT TV (utility company) Help!

Anonymous — Sat, 10 Jan 2009 19:28:43 GMT

ByrdMan wrote:
Sidewinder, I agree with you about the CSRs probably not knowing the difference, but I would bet you that the muckety-mucks know the difference, and with enough complaints to the same, should disseminate the information. Training on something like this should not be difficult.

You wouldn't think.

Re: Hard pull from DIRECT TV (utility company) Help!

Junejer — Sat, 10 Jan 2009 19:35:36 GMT

It should look something like this:

Email from Muckety-mucks to all peons:

From now on please inform potential customers that they will incur a hard inquiry on their credit report.

Wow, very difficult indeed.

Re: Hard pull from DIRECT TV (utility company) Help!

Geordi — Sat, 10 Jan 2009 21:09:23 GMT

@kymmie60115 wrote:
I was inquiring about service for a utility company Direct TV, and did not even wind up getting the service. Anyway, they told me it would be a soft pull, and low and behold there is an inquiry on my report from them.

When I decided to get DirecTV via their website, the website SPECIFICALLY said that they would check my credit. Since my credit reports are frozen, I decided to pay a $300 deposit (it's an option on their website when signing up for new service) and not to have DirecTV check my credit report.

Long story short, during the ordering process, DirecTV did NOT pull any of my reports, however after the installation of my equipment, DirecTV did pull a SOFT INQ.

In any case, I don't know if you'll have any luck concerning your INQ because as I said before, on DirecTV's website, it specifically says they WILL check your credit reports.

Good luck

Re: Hard pull from DIRECT TV (utility company) Help!

Junejer — Sat, 10 Jan 2009 23:34:57 GMT

Geordi wrote:
@kymmie60115 wrote:
I was inquiring about service for a utility company Direct TV, and did not even wind up getting the service. Anyway, they told me it would be a soft pull, and low and behold there is an inquiry on my report from them.
When I decided to get DirecTV via their website, the website SPECIFICALLY said that they would check my credit. Since my credit reports are frozen, I decided to pay a $300 deposit (it's an option on their website when signing up for new service) and not to have DirecTV check my credit report.

Long story short, during the ordering process, DirecTV did NOT pull any of my reports, however after the installation of my equipment, DirecTV did pull a SOFT INQ.

In any case, I don't know if you'll have any luck concerning your INQ because as I said before, on DirecTV's website, it specifically says they WILL check your credit reports.

Good luck

What if you don't go to their website? What if you just call them up, because of a television advert or a val-pak insert or something? I would escalate this thing until I got full satisfaction of what I wanted--INQ recoded.

Geordi wrote:

Long story short, during the ordering process, DirecTV did NOT pull any of my reports, however after the installation of my equipment, DirecTV did pull a SOFT INQ.

I didn't know that was possible with a frozen account. How did they get around that?

Message Edited by ByrdMan on 01-10-2009 05:34 PM

Re: Hard pull from DIRECT TV (utility company) Help!

Geordi — Sun, 11 Jan 2009 14:25:30 GMT

@Junejer wrote:
@Geordi wrote:
@kymmie60115 wrote:
I was inquiring about service for a utility company Direct TV, and did not even wind up getting the service. Anyway, they told me it would be a soft pull, and low and behold there is an inquiry on my report from them.
When I decided to get DirecTV via their website, the website SPECIFICALLY said that they would check my credit. Since my credit reports are frozen, I decided to pay a $300 deposit (it's an option on their website when signing up for new service) and not to have DirecTV check my credit report.

Long story short, during the ordering process, DirecTV did NOT pull any of my reports, however after the installation of my equipment, DirecTV did pull a SOFT INQ.

In any case, I don't know if you'll have any luck concerning your INQ because as I said before, on DirecTV's website, it specifically says they WILL check your credit reports.

Good luck
What if you don't go to their website? What if you just call them up, because of a television advert or a val-pak insert or something? I would escalate this thing until I got full satisfaction of what I wanted--INQ recoded.
@Geordi wrote:
Long story short, during the ordering process, DirecTV did NOT pull any of my reports, however after the installation of my equipment, DirecTV did pull a SOFT INQ.

I didn't know that was possible with a frozen account. How did they get around that?
Message Edited by ByrdMan on 01-10-2009 05:34 PM

First, soft INQs do NOT show up when creditors or lenders pull or review your credit. Thus, they don't hurt your score.

Second, sorry for your frustrations, but one should always assume that your credit report(s) will be pulled when you are opening any type of account: cable, satellite, natural gas, telephone, cellphone, checking, savings, credit cards, lights, and the list goes on.

You have to keep in mind that the average person on the streets is not keenly aware of how inquiries affect their credit which is probably why it is not standard policy to inform people that your credit will be checked either prior to or after opening some type of account.

It is one of the reasons that some people, including myself, keep their credit reports LOCKED/FROZEN just to make the process a bit more difficult for them. And to be in the loop BEFORE the report is pulled and not find out about the INQ afterwards.

Good luck

Message Edited by Geordi on 01-11-2009 09:25 AM

Re: Hard pull from DIRECT TV (utility company) Help!

Anonymous — Sun, 11 Jan 2009 15:22:25 GMT

Geordi wrote:

You have to keep in mind that the average person on the streets is not keenly aware of how inquiries affect their credit which is probably why it is not standard policy to inform people that your credit will be checked either prior to or after opening some type of account.

True, but they are supposed to tell you they are checking your credit.

Re: Hard pull from DIRECT TV (utility company) Help!

Geordi — Sun, 11 Jan 2009 17:30:16 GMT

@Anonymous wrote:
@Geordi wrote:

You have to keep in mind that the average person on the streets is not keenly aware of how inquiries affect their credit which is probably why it is not standard policy to inform people that your credit will be checked either prior to or after opening some type of account.
True, but they are supposed to tell you they are checking your credit.

With all due respect to you, please quote me the federal law that states you have to be informed that DirecTV or any other service provider (which is what DirecTV is) will be pulling your credit report(s)?

Message Edited by Geordi on 01-11-2009 12:30 PM

.

Achieve2012 — Mon, 26 Jul 2010 23:08:33 GMT

Re: Hard pull from DIRECT TV (utility company) Help!

natasjlp — Thu, 28 May 2009 16:34:18 GMT

Can you tell me how you disputed the DirectTV hard pull from EQ?

Thanks!

.

Achieve2012 — Mon, 26 Jul 2010 23:08:56 GMT

Online as a fraudulent inquiry. It was removed very quickly. Good Luck, and keep me posted.

Re: Hard pull from DIRECT TV (utility company) Help!

natasjlp — Thu, 28 May 2009 18:31:53 GMT

So, can I do that through here or do I go to Experian.com? I have a CreditCheckTotal.com subscription, could I do it through here perhaps? I don't have much experience disputing items.

Re: Hard pull from DIRECT TV (utility company) Help!

natasjlp — Thu, 28 May 2009 18:35:06 GMT

I meant Equifax.com not Experian... That is where the inquiry is. I got the EQ CR from an EX site called CreditCheckTotal.com - almost confusing...

.

Achieve2012 — Mon, 26 Jul 2010 23:09:25 GMT

Re: Hard pull from DIRECT TV (utility company) Help!

nothingman02 — Thu, 28 May 2009 19:59:32 GMT

@Geordi wrote:

With all due respect to you, please quote me the federal law that states you have to be informed that DirecTV or any other service provider (which is what DirecTV is) will be pulling your credit report(s)?
Message Edited by Geordi on 01-11-2009 12:30 PM

A little known act called the FCRA. I think it discusses a concept called PP. There is another concept of CYA that it vaguely addresses.