Not happy with Verizon

[LS2982]

Set up an account yesterday for FIOS tv, internet, phone.

When I spoke to their credit department I asked them specifically if this INQ would be a SP or HP and they told me SP. If they would have said HP I wouldn't have gone through with it.

Is there a way to fight this?

[pizzadude]

Unfortunately this happens a lot, CSRs are either mis~informed or incorrectly trained when it comes to how their companies pull your CR.

You would have to fight it through Verizon, if you can get thru to a supervisor, then explain what happened and see what they can do....

[llecs]

Do you know how to tell if a credit-related CSR isn't telling you the truth? They are talking. I've said it before...never ever never trust anything they say. I'm sure they're well-intentioned, but they just don't know credit.

[my25reasons]

Ugh. I had the same problem when I bought a car recently. I told them "do no pull", I will get my own financing. He went and pulled any way. Not just once, but FIVE times!! In addition to my credit union pulling. My inquiries look ridiculous now, since I already had 11.

[Anonymous]

I always try to speak with a supervisor or the credit department.  CSRs never know what they are talking about.

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@my25reasons wrote:

Ugh. I had the same problem when I bought a car recently. I told them "do no pull", I will get my own financing. He went and pulled any way. Not just once, but FIVE times!! In addition to my credit union pulling. My inquiries look ridiculous now, since I already had 11.

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They only count as 1.

[my25reasons]

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They only count as 1.

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True, but when lenders look at it, they still see them. I was speaking with Discover about a CLI and the rep says "wow, they really gave you a lot of hits with that auto loan financing". I told him, yep, that's right, they sure did. And then he went ahead and gave me the increase.

[CS800]

As long as you insist that you were given the wrong info, you can fight it.

[LS2982]

I could care less is the CSR was "mis-informed" or "not properly trained". Thats not my problem. You don;t work in the "CREDIT DEPARTMENT" of verizon just to twiddle your thumbs and give out misinformation.

You have a job to do, if you don;t know to do it, quit. I care about my credit, and I refuse to let some buffoon out here who doesn't know whats going on in the CREDIT DEPT. tell me it is what it is.

[LS2982]

Spoke with a supervisor 2/5 and she said she is submitting paperwork to remove the INQ, allow 30 days for removal.

Im happy.

[RobertEG]

While the permissible purpose inquiry for auto loans is a bit of a side issue to the main post, for a great discussion of the FTCs opinion on permissible pulls by auto dealers, go to the FTC web page on FCRA advisory opinions, and take a look at their opinion letter dated 2/11/98. 

At least in their opinion, the permissible purposes by auto dealers are very restrictive without your express permission.  Actual contract negotiations showing a specific purchase offer by the consumer was expressed as being necessary.