@Anonymous wrote:
Hey Everyone,
I was wondering if anyone had gotten hits when applying for any ATT services without providing an SSN and just inputting your driver license? I also found out the hard way that even if you don't submit the complete order and just leave, it will still do a hard pull from your Credit report.
Quick overview of what happened:
1.) I added the Internet 100 to my cart
2.) Went to the cart overview
3.) Went to the information form and insert everything but my SSN, i checked the box to use my Driver License instead
4.) Went to the payment method step to insert a card, but then decided to do it another time
Next day, I got a hard hit on my EQ. Anyone deal with ATT and fought to have it removed or what did they do (besides disputing to EQ) to have it removed? Of course I'm upset that I got hit but when I called they said the system was "automatic".
Gerardo
Hi Gerardo. Here are a few thoughts.
(a) The best way to get this solved is for the creditor to "re-code" the inquiry from being "hard" to being "soft." Contributor RobertEG may be able to tell you more about that. Any creditor can do this in principle as long as that creditor submitted the inquiry.
(b) Although that is the best solution, and is totally doable, expect that a typical customer service rep will be unfamiliar with it, and therefore it may be difficult to get it done.
(c) Remember that this is one inquiry that is affecting only one bureau and it will stop having an any effect on your score in one year. Even now the scoring effect is small, maybe 5 points.
Because of (c) spend a bit of time thinking about how pursuing this relatively minor issue's correction will affect you: emotionally, blood pressure, etc. You were not responsible for it happening. You will be responsible if you end up having a series of calls that make you furious -- responsible because you chose to fight with ATT about this. I have slowly learned that, on a fairly minor issue, it's best for me to count to ten and let things go whenever the alternative is having huge amounts of frustration and rage (all in pursuit of being Right). Note that the others on the thread have indeed experienced tremendous anger trying to fix a thing like this and you need to weigh that carefully. Compare letting it go and watching a movie vs. two 45 minute calls that may go nowhere.
That said, if you have a lot of skill at not getting stressed when you try to get a thing like this fixed, then feel free to go for it.
