topic Re: are utilities and cell phone services hard inquiries? in General Credit Topics

are utilities and cell phone services hard inquiries?

Anonymous — Wed, 24 Dec 2014 14:24:32 GMT

I always assumed they were...

I read somewhere that they weren't

Re: are utilities and cell phone services hard inquiries?

gamegrrl — Wed, 24 Dec 2014 16:07:29 GMT

I just switched over to T-Mobile and it was a hard pull.

[Edited to add: Interestingly, I asked the guy at the T-Mobile store if it would be a hard pull. He said no.]

Re: are utilities and cell phone services hard inquiries?

Anonymous — Wed, 24 Dec 2014 15:09:52 GMT

@Anonymous wrote:
I always assumed they were...
I read somewhere that they weren't

They generally are HPs

Re: are utilities and cell phone services hard inquiries?

IamB2 — Wed, 24 Dec 2014 15:16:43 GMT

@gamegrrl wrote:
I just switched over to T-Mobile and it was a hard pull.

+1. Same here. I switched from Sprint to T-Mobile and yes it was a hard pull.on TU

Re: are utilities and cell phone services hard inquiries?

Anonymous — Wed, 24 Dec 2014 15:31:06 GMT

Ahh that's exactly what I'm trying to do (switch to T-Mobile) and exactly what I'm trying to avoid (HP).

I already have 17 hard pulls!

Really gotta be careful where we get our information.

Re: are utilities and cell phone services hard inquiries?

RobertEG — Wed, 24 Dec 2014 21:31:25 GMT

Best that can be said is that they qualify as a hard pull.

Whether or not they are recorded as such depends upon the discretionary coding of hard or soft.

The procedure by which an inquiry can get an otherwise hard inquiry coded as soft remains, at least to my knowledge, an unpublished procedure......

Re: are utilities and cell phone services hard inquiries?

MarineVietVet — Wed, 24 Dec 2014 21:40:51 GMT

@gamegrrl wrote:
I just switched over to T-Mobile and it was a hard pull.

[Edited to add: Interestingly, I asked the guy at the T-Mobile store if it would be a hard pull. He said no.]

He probably had no idea what a hard pull was.

Unfortunately many first layer CSR's seem to have the same problem.

Re: are utilities and cell phone services hard inquiries?

Anonymous — Wed, 24 Dec 2014 21:46:31 GMT

Got hard pull from Century Link, Verizon, Power Company and Gas Company.

Re: are utilities and cell phone services hard inquiries?

Anonymous — Thu, 25 Dec 2014 06:23:35 GMT

100% agree.
Most of the reps in phone stores do not know even the basics of credit.

They typically repeat what their previous co workers- which would also not know what they speak of.

Nothing wrong with tha . I would just prefer they say they don't know instead of a randomly generated response based on ones tone lol.

For example: when I went to tmobile, I told the rep I wanted prepaid. The rep said "we could try we never know I might get approved" in which I then told her "my score isn't the problem, I know I'll get approved I just can't afford another hard pull"(being I have 17 - now 18)

Her face of uncertainty showed.

Re: are utilities and cell phone services hard inquiries?

Anonymous — Fri, 26 Dec 2014 05:26:50 GMT

@Anonymous wrote:
100% agree.
Most of the reps in phone stores do not know even the basics of credit.

They typically repeat what their previous co workers- which would also not know what they speak of.

Nothing wrong with tha . I would just prefer they say they don't know instead of a randomly generated response based on ones tone lol.

For example: when I went to tmobile, I told the rep I wanted prepaid. The rep said "we could try we never know I might get approved" in which I then told her "my score isn't the problem, I know I'll get approved I just can't afford another hard pull"(being I have 17 - now 18)

Her face of uncertainty showed.

And even if they do know that it could (or even will be), it's not really in their control, and they want to make the sale, so let's say "No it won't be" as that is obviously what the customer wants to hear. And then I will attempt to sell you the overpriced insurance plan, oh, and the screen protectors as well.

Re: are utilities and cell phone services hard inquiries?

Anonymous — Fri, 26 Dec 2014 06:31:53 GMT

Haha! Screen protectors 😀😀 yeah if a rep were to ever knowingly tell me otherwise I would be very disappointed . tampering with ones credit for a sale in which does not produce much profi .