Verizon Hard Pull - Request for Removal

[AAstra]

Didn't see the shmorgas board forum anymore so I'm posting this here - feel free to move this if it isn't posted to the correct board.

Back in the summer, I signed up for cable/internet with Verizon online after being told service was available in the area. As is the standard, a credit check was required and I agreed thinking I would have service. After a few months of back and forth and eventually going with Comcast, I was finally informed that Verizon wasn't available and wasn't going to be available for months due to delays. With that said, I went through Experian to dispute the credit check inquiry and was denied as it will show as an authorized credit check. Is there any way besides going through Experian that I could have the inquiry removed? I may just have to live with it but my overall argument is that if I hadn't been lied to and was told upfront that service wasn't available in the area/wouldn't be ready for several months, I would have went with Comcast from the start and never signed with Verizon/authorized the credit check.

Thanks everyone for the input - cheers!

[Turbobuick]

Unless it negatively affects a mortgage or car loan, it likely won't be worth your effort to remove it. You don't mention any history, but one hard pull, by itself, is relatively nothing. 

[kdm31091]

Yeah OP, I'd agree with the above. I'd probably just let it go. One HP isn't going to make any real difference especially with no new tradeline.

[Anonymous]

they won't remove it anyway. utilities often do HPs and you agree to that when signing up...

[RobertEG]

The CRAs take the "toothpaste is out of the tube" approach after they have sent a party your credit report.  It is a done-deed, and unless you show that the party lacked permissibie purpose, they normally will not consider removal of any inquiries.

If you initiated a business transaction for which the business has a legitimate need to review your credit, then there is permissible purpose.

If you wish to assert that you were falsely led to your decision ot initiate the transaction, that would be a matter that would require proofs in court.

It only affects your score for one year, and is not a major effect.

Your alternative is to contact Verizon and request that they recode the inquiry as soft.

If they do so, it will become excluded from view by others and from your scoring, which has the same practical effect as deletion.

[pip3man]

OP this exactly happened to me. See my last post... U can attempt calling the bureau directly and if your lucky to get someone nice they could remove the inquiry without making u jump thru hoops. I got about 10 inquiries deleted today just by casually calling in but this was Equifax. Good luck tho

[kdm31091]

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@RobertEG wrote:

The CRAs take the "toothpaste is out of the tube" approach after they have sent a party your credit report.  It is a done-deed, and unless you show that the party lacked permissibie purpose, they normally will not consider removal of any inquiries.

If you initiated a business transaction for which the business has a legitimate need to review your credit, then there is permissible purpose.

If you wish to assert that you were falsely led to your decision ot initiate the transaction, that would be a matter that would require proofs in court.

It only affects your score for one year, and is not a major effect.

Your alternative is to contact Verizon and request that they recode the inquiry as soft.

If they do so, it will become excluded from view by others and from your scoring, which has the same practical effect as deletion.

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Pretty much this. It's not impossible to get HPs removed/recoded but it's definitely a hassle and probably not worthwhile for one single inquiry. If you had a bunch of sketchy/non-legitimate inquiries that you didn't authorize I could see going through the trouble, but this is one inquiry. Plus, the fact is you did agree to the credit check, so there's probably nothing that can be done here.

Sure, it sucks that the credit check was for nothing because you're not eligible for the service, but that doesn't matter to the bureaus.