Inquiry

[babbles]

I filled out a very short questionaire with "Lending Club' online and I did check the box to authorize a credit inquiry.  I purposely put down the wrong birthdate and did not fill in the SSN for the reason that I thought I would see a red error stating I did not fill out the info correctly.  Low and behold the inquiry went through and I have been charged with an inquiry through TU that will probably stick for 2 years.!   I called the company and asked how that happened withno correct and pertinent info.  They said they still had a way to verify the info.  Is it worth it to contact TU for a dispute on the inquiry?   The last disclosure I checked said that the info I submitted was true and correct which wasn't.   Thanks. 

My score was a 722 so wonder how much it will drop?

[pizzadude]

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@babbles wrote:

I filled out a very short questionaire with "Lending Club' online and I did check the box to authorize a credit inquiry.  I purposely put down the wrong birthdate and did not fill in the SSN for the reason that I thought I would see a red error stating I did not fill out the info correctly.  Low and behold the inquiry went through and I have been charged with an inquiry through TU that will probably stick for 2 years.!   I called the company and asked how that happened withno correct and pertinent info.  They said they still had a way to verify the info.  Is it worth it to contact TU for a dispute on the inquiry?   The last disclosure I checked said that the info I submitted was true and correct which wasn't.   Thanks. 

My score was a 722 so wonder how much it will drop?

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You have nothing to dispute here ~ you admit to authorizing the credit inquiry.

Companies can use your name & address to pull credit, they do not necessarily need your SSN #.

I wouldn't worry at all about the FICO score hit ~ it should be minor, very likely 10 points or less.

[llecs]

Ditto. There was a consent to allow the inquiry.

I'm a lender and a borrower on LC. I've never had a hard inquiry appear for my loan and for a future loan attempt 2-3 months ago. Now I'm not saying it's impossible. Maybe they changed things. Are you sure it was a hard inquiry as opposed to a soft?

Inquiry damage is overrated anyway. Let's say you lose 5 FICO points (I don't think you'd lose anything...coming from someone who had 30+ before), you'd regain it within a year anyway since FICO ignores inquiries beyond a year. ETA...I'd be worried about the new account reporting as that can drop you in the low double-digits (10-20...YMMV).

[babbles]

You know, I just assumed it would be an hard inquiry.  I guess I'll find out when I am notified by equifax that an inquiry has been made since I have monitering alerts.  I noticed right after their decision, it prompted for my SSN in which I did not enter it.   

I just learned something new today, I thought creditors had to at least have your ssn.

[llecs]

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@babbles wrote:

I just learned something new today, I thought creditors had to at least have your ssn.

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Nope. They know all it seems. How they do that, I don't know, but virtually all added AUs on a CC account are done without a SSN. There are some posts in here of car shoppers getting hit with inquiries without even signing anything because the dealer ran their plates and got their info that way. There are some infamous creditors, like Target, who will offer you their store CC via a preapproval just by running your debit card info at checkout. IIRC, one of the preapproval sites, maybe Discover, Amex or CapOne (cannot recall) will do so without a full SSN.