Author Topic: Dispute Credit pull?  (Read 36086 times)

Offline springles

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Dispute Credit pull?
« on: May 17, 2011, 10:48:53 PM »
I was looking at my wife's credit score with the free 30 days on equifax (thanks dan) and I saw that in October there were two credit pulls on Experian and 1 on both equifax and TU.  The two pulls were from Toyota Motor Credit and 700 credit/east coast toyota.  I did lease a car in October from Toyota but I am not sure why there would be two pulls for it.  Is there any reason why there should be two? And if not how do i go about disputing it? Should I call Toyota or just dispute it straight through Experian?


Offline springles

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Re: Dispute Credit pull?
« Reply #1 on: May 17, 2011, 11:00:40 PM »
I was looking at my wife's credit score with the free 30 days on equifax (thanks dan) and I saw that in October there were two credit pulls on Experian and 1 on both equifax and TU.  The two pulls were from Toyota Motor Credit and 700 credit/east coast toyota.  I did lease a car in October from Toyota but I am not sure why there would be two pulls for it.  Is there any reason why there should be two? And if not how do i go about disputing it? Should I call Toyota or just dispute it straight through Experian?
well it seems that Experian wont let me dispute a credit pull.  So what do I do? Contact Toyota?

Offline MarkS

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Re: Dispute Credit pull?
« Reply #2 on: May 18, 2011, 12:22:23 AM »
For whatever reson they pulled your credit twice.

I assume it is impossible to 'dispute' that. It happened.

It like disputing that it rained today!

The type of thing that you would dispute is if they have mistaken information regarding your CC acount.

Offline Spiffster

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Re: Dispute Credit pull?
« Reply #3 on: May 18, 2011, 06:28:58 AM »
if it's incorrect or you don't think it should be there, dispute it.  the fcra gives you the right.  it doesn't matter what the data point is - every piece of information on your report can be disputed: inquirys, lates, limits, dates, aliases, addresses, etc...

for hard pulls, you can either dispute it online with the bureau or send a certified letter to the address on the report for the co. that did the pull.  give them 30 days to respond and then send a demand letter that it be removed if they haven't provided you with proof of your authorization for each inquiry.  after that, you notify the bureau and they remove it since the co. hasn't verified it/replied within the timeframe required by law.

there are many "credit repair" websites with more detailed steps on this out there...

Offline springles

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Re: Dispute Credit pull?
« Reply #4 on: May 18, 2011, 10:24:44 AM »
if it's incorrect or you don't think it should be there, dispute it.  the fcra gives you the right.  it doesn't matter what the data point is - every piece of information on your report can be disputed: inquirys, lates, limits, dates, aliases, addresses, etc...

for hard pulls, you can either dispute it online with the bureau or send a certified letter to the address on the report for the co. that did the pull.  give them 30 days to respond and then send a demand letter that it be removed if they haven't provided you with proof of your authorization for each inquiry.  after that, you notify the bureau and they remove it since the co. hasn't verified it/replied within the timeframe required by law.

there are many "credit repair" websites with more detailed steps on this out there...
Experian told me that a company has the right to pull my credit without my authorization and therefore I cannot dispute it.  I am going to try calling Toyota. 

Offline Spiffster

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Re: Dispute Credit pull?
« Reply #5 on: May 18, 2011, 11:08:30 PM »
Experian is wrong.

Here is the law. http://www.law.cornell.edu/uscode/uscode15/usc_sec_15_00001681---b000-.html

It's technical to read but the relevant bit is 2681b(c), which is: Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.  You have to keep all the outline levels straight and know which subsection (e) they mean when they say subsection (e)  but basically, the only time they can do a hard pull is with your authorization.

You have a biz relationship w/Toyota so they can pull you report but the authorization you gave them isn't perpetual...

Offline Jkhein

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Re: Dispute Credit pull?
« Reply #6 on: September 14, 2016, 08:30:15 PM »
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?

Offline 1356Abe

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Re: Dispute Credit pull?
« Reply #7 on: September 14, 2016, 08:35:20 PM »
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?
Had that same story a couple years ago don't remember exactly what happened. I think they gave $100 and had it removed after a lot of fighting and escalating. 

Offline jsk173

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Re: Dispute Credit pull?
« Reply #8 on: September 15, 2016, 12:22:33 AM »
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?

Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.

Offline compddd

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Re: Dispute Credit pull?
« Reply #9 on: September 15, 2016, 12:23:30 PM »
Getting hard inquiries removed is easier than making a Zebra have no stripes.

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #10 on: September 16, 2016, 11:14:53 AM »
Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline JTZ

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Re: Dispute Credit pull?
« Reply #11 on: September 16, 2016, 11:32:59 AM »
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard
What would you consider a concrete reason?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #12 on: September 16, 2016, 12:01:22 PM »
What would you consider a concrete reason?
Current creditors to review an account to ensure terms are met
I guess they can use that for anything...
http://blog.credit.com/2015/08/can-anyone-check-your-credit-without-your-permission-122983/
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline JTZ

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Re: Dispute Credit pull?
« Reply #13 on: September 16, 2016, 01:49:26 PM »
Current creditors to review an account to ensure terms are met
I guess they can use that for anything...
http://blog.credit.com/2015/08/can-anyone-check-your-credit-without-your-permission-122983/
We are lucky they don't.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

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Re: Dispute Credit pull?
« Reply #14 on: September 16, 2016, 03:38:40 PM »
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard

You simply don't know what you're talking about. An existing creditor can pull a person's credit whenever it wants.