topic Re: Verizon Hard Check or Soft Check?? in General Credit Topics

Verizon Hard Check or Soft Check??

Anonymous — Sun, 04 Sep 2016 21:26:02 GMT

ive been getting back different answers from reps in store, other mobile stores and chat reps from verizon. i google it and all the stories i read about hard checks are 2 years old. so ill ask here. is it a hard check or soft check??

Re: Verizon Hard Check or Soft Check??

Anonymous — Sun, 04 Sep 2016 22:22:33 GMT

Hard Pull.

Re: Verizon Hard Check or Soft Check??

Anonymous — Sun, 04 Sep 2016 23:31:58 GMT

Definitely a hard pull.

Re: Verizon Hard Check or Soft Check??

Anonymous — Sun, 04 Sep 2016 23:52:21 GMT

thanks. i literally asked a verizon rep yesterday. they said soft. asked a rep on chat thru the verizon website they said soft. asked another online rep they said hard check. do you guys know who they pull? i checked yesterday and it hasnt popped up on my report.

Re: Verizon Hard Check or Soft Check??

Anonymous — Mon, 05 Sep 2016 01:34:18 GMT

@Anonymous wrote:
thanks. i literally asked a verizon rep yesterday. they said soft. asked a rep on chat thru the verizon website they said soft. asked another online rep they said hard check. do you guys know who they pull? i checked yesterday and it hasnt popped up on my report.

It showed up on my Equifax report.

Re: Verizon Hard Check or Soft Check??

Anonymous — Mon, 05 Sep 2016 01:53:51 GMT

i checked at the verizon store yesterday and hasnt showed up yet. when i went to the best buy store it said i had to check again which i did, but this time it wasnt allowed and it gave a number. pretty much i had to call and verify who i was. ( does that count as a pull??)

Re: Verizon Hard Check or Soft Check??

Anonymous — Mon, 05 Sep 2016 04:05:43 GMT

@Anonymous wrote:
i checked at the verizon store yesterday and hasnt showed up yet. when i went to the best buy store it said i had to check again which i did, but this time it wasnt allowed and it gave a number. pretty much i had to call and verify who i was. ( does that count as a pull??)

That's what I did when I got my iPhone back in January. It didn't show as an inquiry until a couple of weeks.

Who knows, tho? Perhaps they changed it in the last nine months?

Re: Verizon Hard Check or Soft Check??

Anonymous — Mon, 05 Sep 2016 04:29:34 GMT

asked a rep on chat thru the verizon website they said soft.

Couldn't you screen shot that and then if it does end up being a hard pull..... dispute it under the reason that you were promised it was a soft pull?

Re: Verizon Hard Check or Soft Check??

DantGwyrdd — Mon, 05 Sep 2016 05:35:57 GMT

There might be a difference if it's your first line with them vs subsequent lines/just adding a phone. It was a HP for me to open my very first (two) line(s) of service (ever) with them.

Re: Verizon Hard Check or Soft Check??

Anonymous — Mon, 05 Sep 2016 06:11:00 GMT

@DantGwyrdd wrote:
There might be a difference if it's your first line with them vs subsequent lines/just adding a phone. It was a HP for me to open my very first (two) line(s) of service (ever) with them.

Excellent point.

Re: Verizon Hard Check or Soft Check??

cuthatcard — Mon, 05 Sep 2016 13:11:47 GMT

When I got ours, back 18 months ago, it was a soft.
Just added a line with no pull...as far as I can tell ..

Re: Verizon Hard Check or Soft Check??

Revelate — Mon, 05 Sep 2016 17:20:38 GMT

I'm not certain on the additional line but I've had three accounts with Verizon:

Verizon Internet

Verizon Wireless

Verizion Business

3 HP's, all on EQ.

Ultimately if you want the service the inquiry is trivial so I wouldn't worry about it unless you have something like a mortgage coming up in the next year and you're playing in the middle tiers like I was (and somewhat annoyed at VZ as a result).

Also just because a CSR says it's so, isn't grounds for a dispute historically... your making the application is permissible purpose and the CSR excuse is akin to the dog ate my homework unfortunately.

Re: Verizon Hard Check or Soft Check??

Anonymous — Tue, 06 Sep 2016 00:49:37 GMT

It was a hard pull for me when I opened up my account. There was no pull in financing our new phones a year later.

Re: Verizon Hard Check or Soft Check??

Anonymous — Tue, 06 Sep 2016 23:20:55 GMT

Update. ended up being an HP. not surprising. I did tear them a new one over the phone about instore and chat reps telling me it was a soft pull.

Re: Verizon Hard Check or Soft Check??

Anonymous — Thu, 27 Apr 2017 15:51:32 GMT

Had this same experience with Verizon. Talked to 4 different reps (2 via chat, one on the phone, and one in person) who all insisted they did a soft credit pull. I saved screen shots from the chat. Now I have a hard inquiry from Verizon on my Equifax report. I called Verizon and was told there's nothing they can do. I'm so pissed. How can they just straight up lie? I will try disputing it with Equifax but I'm not holding my breath.

Re: Verizon Hard Check or Soft Check??

Anonymous — Thu, 27 Apr 2017 15:55:34 GMT

All my Verizon activities have been HPs. Never an SP. As to the Reps ... common we all know they are either uniformed or don't really have a clue.

Re: Verizon Hard Check or Soft Check??

FireMedic1 — Thu, 27 Apr 2017 17:07:29 GMT

Contract ended a few months ago. What about renewing a new 2 yr contract when the phone I want comes next month. No lates.The original HP fell off. SP? Or no pull.

Re: Verizon Hard Check or Soft Check??

Gatito — Thu, 27 Apr 2017 18:41:34 GMT

Same experience with me they all say soft pull and they end up doing a hp. I told the store manager this is not correct she said she apologized and all their meaterial tells them its a soft pull and i told them they need to change that because its a lie and they are engaging in deceptive business practices what if I was currently in the process of buying a home your dumb "misinformation" would have cost me money over the period of a 30 year loan. I also submitted a BBB report on them the executive office contacted me I told them the same thing. She offered to close my account for me to switch with NO FEEs. I ended up getting 50 bucks for it. Eh. Still though they shouldnt do this I want to be able to make my own decision if I want this to be a hard inquiry on my credit or not. Not be lied to.

Re: Verizon Hard Check or Soft Check??

Anonymous — Thu, 27 Apr 2017 19:02:44 GMT

This is one reason I still use Straight Talk* (no-contract, $45.00/month or $43.73 auto-pay) as my cell provider; another reason is that, even though the major mobile providers HP your reports, they don't report your payment history/activity to the CRA's unless you've fallen behind. Seems a waste of a perfectly good HP to me.

*If you're considering Straight Talk, I'd recommend bringing your own phone or buying a new one up front - I bought a new iPhone SE 64GB in February - rather than relying on Straight Talk's pre-packaged phones, which are either older models or are less capable versions of current models.

Re: Verizon Hard Check or Soft Check??

Revelate — Fri, 28 Apr 2017 13:07:57 GMT

@Anonymous wrote:
This is one reason I still use Straight Talk* (no-contract, $45.00/month or $43.73 auto-pay) as my cell provider; another reason is that, even though the major mobile providers HP your reports, they don't report your payment history/activity to the CRA's unless you've fallen behind. Seems a waste of a perfectly good HP to me.

*If you're considering Straight Talk, I'd recommend bringing your own phone or buying a new one up front - I bought a new iPhone SE 64GB in February - rather than relying on Straight Talk's pre-packaged phones, which are either older models or are less capable versions of current models.

Interestingly enough, they used to report as a tradeline back circa 2000... then for some reason that all stopped at once. I don't recall the reasoning for it other than it was stated as not being an actual credit account or who complained necessarily.