sprint just pulled a hard enquiry without my permission!!

[Anonymous]

How is this posible. I got a fraud alert on my Experian and I just saw that Sprint pulled an Inquiry from them. How this happened without my knowledge. IS this possible? It is showing om Fico report inquiry, so I believe is hard Inquiry. I am about 10 days from applying for a loan, and now I have this inquiry without my permission. What should do?

[SmartCookie]

Unauthorized INQ letter

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=3900

[SmartCookie]

ooooh are you saying that you have a Fraud Alert with the CBRs and not only did not initiate anything with Sprint, but they slipped thru the Fraud Alert?  

[Anonymous]

That is correct. Monday I will call Experian, because this is so weird. How can they pull a inquiry and I have a fraud alert on my credit report. Crazy! I did not even try to appply for nothing with them.

Message Edited by Redamagon on 09-29-2007 01:52 PM

[SmartCookie]

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Redamagon wrote:

That is correct. Monday I will call Experian, because this is so weird. How can they pull a inquiry and I have a fraud alert on my credit report. Crazy! I did not even try to appply for nothing with them.

Message Edited by Redamagon on 09-29-2007 01:52 PM

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I am not an expert in Fraud Alerts or Freezes so I don't know offhand if it would still stop an INQ from remaining on your CR, but actually yes they can pull.  With a FA the CRA is supposed to let you know if someone tries to open credit to verify that it is you who has authorized it.  I don't know if they automatically remove the INQ if you do not respond or respond (unofficially) that it was not you, but I would doubt it.   In your situation, I would dispute this online as 'not mine'.

So really you have a few issues, did someone use your identity to apply with Sprint or was it Sprint INQing for a different (and unauthorized) purpose.  I would still send them an Unauthorized INQ letter CMRRR.

[Anonymous]

Contact Sprint to investigate right away via pone to their security dept. They might be able to remove it over night. If not removed in a time frame you are comfortable with, dispute as not yours. You can do this with a F/A. You might also consider a "Freeze" on your CR files. This should prevent any new activity for standard new accounts. You should also follow up with a police report. I would not just brush it off. I would want this person using your ID to know you mean business. This way you can make them discard your info and not want to use it. It does work.

[Takunda1]

do you or have you ever had a phone account with sprint or Nextel?

[Anonymous]

Takunda1
Regular Contributor
Posts: 172
Registered: 06-08-2007

Message 7 of 7

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do you or have you ever had a phone account with sprint or Nextel?

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Yep. I had a phone with them about one year ago.

[Anonymous]

ilovepizza
Super Contributor
Posts: 1264
Registered: 05-17-2007

Message 6 of 8

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Contact Sprint to investigate right away via pone to their security dept. They might be able to remove it over night. If not removed in a time frame you are comfortable with, dispute as not yours. You can do this with a F/A. You might also consider a "Freeze" on your CR files. This should prevent any new activity for standard new accounts. You should also follow up with a police report. I would not just brush it off. I would want this person using your ID to know you mean business. This way you can make them discard your info and not want to use it. It does work

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The first thing I did was to call them, because I was worry that someone tried or opened an account under my name. The fraud department was too busy. I spoke with costumer services and asked if there was a new open account under my name, and it was not. I am puzzled how can I get an inquiry with fraud alert. Freeze, I think is too much, because it would give me a hard time every time I try to apply for credit.

[Anonymous]

The F/A alerts a company to contact you before opening a new account. It does not block the inq from what I understand. The freeze should block the inq by denying access to the credit file. So in another words the F/A is like leaving the door open with a note inside saying caution. The Freeze is like locking the door so they can't even see inside.