topic Re: Wrongful hard pull in General Credit Topics

Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 16:41:26 GMT

I was looking into getting Dish satellite and when I called them they wanted to do a credit check, I said no. He was persistent so I said is it soft or hard pull and he said soft. So I left him do it and my credit was not approved like I knew it wouldnt be and had to put a 200$ deposit anyway. Later I found out it was a hard pull and was mad and called and told there was nothing they could do as once its on your report it cant be removed but they were very sorry.

Does anyone know if theres anyway to have this removed from my report?? Thanks

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 16:43:05 GMT

Directtv ? or Echostar?

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 16:50:27 GMT

Echostar

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 17:26:38 GMT

Echostar did not even respond to my non-PP INQ demand letter.

I actually NEVER have and NEVER will have an account with the or requested service- EQ removed the INQ so I dropped the matter.

I have a feeling you are going to get stuck with this one.
You can try to dispute it or better ask them to re-code it to a soft.

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 17:43:06 GMT

Please excuse my ignorance but what is non-PP and who would I dispute with? The CRA or Echostar?

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 17:46:49 GMT

The FCRA (Fair Credit Reporting Act) defines PP (Permissible Purpose) to access your credit report.

NON-pp means Did not have Permissible Purpose to access the credit report.

Try Echostar first and see if they will recode it.

@Anonymous wrote:
Please excuse my ignorance but what is non-PP and who would I dispute with? The CRA or Echostar?

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 17:55:26 GMT

Thank you for the info. I believe I will dispute. This is frustrating that they are able to get by with this.

Re: Wrongful hard pull

Anonymous — Fri, 26 Oct 2007 18:22:09 GMT

Just do not give up. I had hard hits and I disputed with cra and told them I did not ask for credit and they took it off.

Re: Wrongful hard pull

jackg — Fri, 26 Oct 2007 20:43:55 GMT

Which CRA removed an inquiry for you?

Re: Wrongful hard pull

fused — Fri, 26 Oct 2007 21:47:07 GMT

Direct TV did the same thing and said it would be a softy when in reality was showing as a hard on my EQ report. I did an online dispute as not mine and it only took a few days before it was deleted.

Re: Wrongful hard pull

Anonymous — Sat, 27 Oct 2007 03:19:39 GMT

You can dispute INQ's online?

I always have to call?

@fused wrote:
Direct TV did the same thing and said it would be a softy when in reality was showing as a hard on my EQ report. I did an online dispute as not mine and it only took a few days before it was deleted.

Re: Wrongful hard pull

Anonymous — Fri, 02 Nov 2007 16:02:14 GMT

What now? This inq was on EQ. When I went to the EQ site they directed me to this site who then showed this:

Inquiries are a matter of record. They reflect the name and dates the companies with whom you may have initiated a business transaction requested your credit file. If you did not authorize the inquiry and you feel they are fraudulent, please submit a copy of the police report indicating that you may be a victim of fraud along with your request regarding the specific inquiry. Please include a copy of your valid driver's license or ID and a copy of your social security card. All information should be mailed to:

CSC Credit Services
P.O.Box 619054
Dallas, TX 75261-9054

If your disputes do not require supporting documentation proceed to next steps.

Please complete the required fields marked .

Check all that applies.

I want to dispute:
Employment
Accounts / Collection Accounts / Judgement / Lien / Bankruptcy

Dead end??

Re: Wrongful hard pull

Anonymous — Fri, 02 Nov 2007 21:39:20 GMT

Equifax contracts out in about 13 states. CSC based in Texas, are AWFUL to deal with especially ONLINE. Their website, is like some high school class project, gone wrong...i would just dispute by calling them or CMRR.

I was schocked, when EVERYTHING i disputed was removed/deleted from my CR. it took several months (they take a long time to investageate) but they eventually removed it all.

BTW, they opened an office right near my house in Ft Worth, Texas. i could practically throw a rock and hit their building it is so close, (not that I would)....

thank goodness for them that they fixed my credit before they opened, or else they would have had one crazy Italian knocking on their front door.

Re: Wrongful hard pull

Anonymous — Sat, 03 Nov 2007 00:09:59 GMT

thank goodness for them that they fixed my credit before they opened, or else they would have had one crazy Italian knocking on their front door.

lol. I tried to call the number listed on their website and it was just a message with information. Do you know of a number to call? Thanks for your reply.

Re: Wrongful hard pull

Anonymous — Sat, 03 Nov 2007 13:08:15 GMT

grounded,

try these first

281-878-1900, 281-878-5088 fax , back door numbers i used

then these

800-392-7816, 866-904-1080

you might want to search this site under the message search for more info.

good luck!