Not allowing someone to pull your CR

[Anonymous]

Hi all! Long-time lurker, first post...

Altogether, I've think I've been pretty successful in not allowing a few places to see my CR when I didn't think it was appropriate.

Examples include:

DirecTV (had to pay up-front deposit)
Phone company (still got service)
Cable company (still got service)

Basically when they asked for SS and/or birthdate, I refused to give it to them, and asked why it was needed, it was for a CR pull.

Couple of questions:

Could they still be doing soft pulls?

and

Currently, I get cell phone service through my company, but I may want to spring for personal service (iPhone) via AT&T (nee Cingular). Will my approach work there?

Thanks!

[MidnightVoice]

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credituser wrote:
Hi all! Long-time lurker, first post...


Currently, I get cell phone service through my company, but I may want to spring for personal service (iPhone) via AT&T (nee Cingular). Will my approach work there?

Thanks!

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Hee Hee.  My favorite topic 

Cingular hit me with two hard inqs (EU) first for new service, then for a second line.

Please try them for me and see.  And join me in complaining about it 

[SoulSmilen]

Ha.. Somehow I KNEW Midnight would reply on this thread!

[MidnightVoice]

Untill September 12th 

[fused]

I was interested in getting Direct TV about six months ago.  When I spoke with the CSR, I asked if they would pull a hard inq, she said now sir only a soft one.  So I applied.  Liar, Liar pants on fire, I have a hard inq reporting on EQ, can I get rid of this?  Or is this a he said, she said situation?

[Anonymous]

Hmmmm.... now I'm wondering if I should freeze my CR...

[Anonymous]

Hey if they tell you they are not going to, and you specifically tell them not to, isn't that grounds for a dispute?

[fused]

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ilovepizza wrote:
Hey if they tell you they are not going to, and you specifically tell them not to, isn't that grounds for a dispute?

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That's what I think.  Maybe I should sue their a$$ too!

[Anonymous]

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credituser wrote:

Could they still be doing soft pulls?

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If they are, you would know it. SW doesn't show soft pulls, but reports from each of the Big Three and their monitoring services show 'em. At least TC does.

[Anonymous]

fused111 wrote:

Maybe I should sue their a$$ too!

If you don't think they have PP, hit 'em with an ITS letter. Maybe they only recode it as a soft pull, but maybe you pick up a $1,000.

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