Author Topic: Dispute Credit pull?  (Read 51585 times)

Offline cubicles

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Re: Dispute Credit pull?
« Reply #540 on: November 29, 2016, 08:16:03 AM »
sorry for disturbing the shmooze, any valuable info in this thread?

Offline mmgfarb

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Re: Dispute Credit pull?
« Reply #541 on: November 29, 2016, 08:24:37 AM »
sorry for disturbing the shmooze, any valuable info in this thread?
Not really
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline etech0

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Re: Dispute Credit pull?
« Reply #542 on: November 29, 2016, 08:26:01 AM »
Workflowy. You won't know what you're missing until you try it.

Offline David Smith

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Re: Dispute Credit pull?
« Reply #543 on: November 29, 2016, 08:29:50 AM »
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Davidthebest

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Re: Dispute Credit pull?
« Reply #544 on: July 10, 2017, 06:15:57 PM »
Applied  2 weeks ago for 2 business CC one after the other , (the blue business and the delta business), one was instantly approved the other one they put on pending, now few days later they say In order to see if they can approve for the second card they gota do an additional pull.
(Btw I do have 5 amex CC  already).
If they dont approve  me Would I be able to dispute the second pull claiming that they pulled already my report  once 2 weeks ago ?

Offline Pesach

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Re: Dispute Credit pull?
« Reply #545 on: January 22, 2018, 10:52:47 PM »
got approved for the citi personal aa and then right away applied for a citi business aa ,system rejected it because of multiple applications for credit. was told by rep they didn't even pull a report on the business because the system rejected it immediately. however I see  on Equifax and Experian that they did pull report for business .is this an eror on the reps part? or do I need to dispute the inquiry?thank you

Offline ChaimMoskowitz

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Re: Dispute Credit pull?
« Reply #546 on: January 22, 2018, 10:58:44 PM »
Applied  2 weeks ago for 2 business CC one after the other , (the blue business and the delta business), one was instantly approved the other one they put on pending, now few days later they say In order to see if they can approve for the second card they gota do an additional pull.
(Btw I do have 5 amex CC  already).
If they dont approve  me Would I be able to dispute the second pull claiming that they pulled already my report  once 2 weeks ago ?
Call them up (CRA) and see if they will merge the two. Use to be real easy to do but have not tried recently.
I just found a new supply of forks!

Offline PillanSmye

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Re: Dispute Credit pull?
« Reply #547 on: January 22, 2018, 11:04:11 PM »
Call them up (CRA) and see if they will merge the two. Use to be real easy to do but have not tried recently.

Also,  people need to exercise caution lest they get a fraud alert added to all the CRA's.

Offline mmgfarb

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Re: Dispute Credit pull?
« Reply #548 on: January 22, 2018, 11:05:18 PM »
Also,  people need to exercise caution lest they get a fraud alert added to all the CRA's.
What would trigger that?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline ChaimMoskowitz

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Re: Dispute Credit pull?
« Reply #549 on: January 22, 2018, 11:22:31 PM »
What would trigger that?
Abuse. Disputing many times.
I just found a new supply of forks!

Offline PillanSmye

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Re: Dispute Credit pull?
« Reply #550 on: January 23, 2018, 09:37:52 AM »
What would trigger that?

People saying something stupid.

Offline Dovdovmoneytree

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Re: Dispute Credit pull?
« Reply #551 on: November 07, 2018, 07:33:57 PM »
Spoke to AT&T re switching to them. They asked for my social, I gave ONLY my b-day. Within minutes I got an alert from Credit Karma to an inquiry on Equifax by AT&T. Question- can they do a hard pull just with my name and b-day?? B. Can I argue to have that inquiry removed since I only agreed to a soft pull?? Equifax says only AT&T can remove it, it can't be "disputed".
« Last Edit: November 07, 2018, 08:26:35 PM by Dovdovmoneytree »

Offline ChaimMoskowitz

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Re: Dispute Credit pull?
« Reply #552 on: November 08, 2018, 08:14:51 AM »
They don't need your SS# to do a HP.
I just found a new supply of forks!

Offline Dovdovmoneytree

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Re: Dispute Credit pull?
« Reply #553 on: November 08, 2018, 09:27:20 AM »
They don't need your SS# to do a HP.

Thanks. Can I argue for them to have it removed? Equifax says inquiries can't be disputed.

Offline ChaimMoskowitz

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Re: Dispute Credit pull?
« Reply #554 on: November 08, 2018, 09:46:41 AM »
Thanks. Can I argue for them to have it removed? Equifax says inquiries can't be disputed.
Anything on your credit report can be disputed.
I just found a new supply of forks!

Offline Dovdovmoneytree

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Re: Dispute Credit pull?
« Reply #555 on: November 08, 2018, 09:50:23 AM »
Anything on your credit report can be disputed.
I've seen this said elsewhere on DDF as well and I'd definitely think it's true as well.
I just had another inquiry a few days ago by VZW. I had never even spoken with them, let alone authorized an inquiry (I froze my credit to be cautious). Called Equifax, they said only VZW can tell them to remove it.

Offline Dovdovmoneytree

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Re: Dispute Credit pull?
« Reply #556 on: November 08, 2018, 09:53:31 AM »
I've seen this said elsewhere on DDF as well and I'd definitely think it's true as well.
I just had another inquiry a few days ago by VZW. I had never even spoken with them, let alone authorized an inquiry (I froze my credit to be cautious). Called Equifax, they said only VZW can tell them to remove it.

Another issue is- I do plan on switching to AT&T and did give them my b-day but he said it's only a soft pull! I can say I never authorized a hard pull.

Offline ChaimMoskowitz

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Re: Dispute Credit pull?
« Reply #557 on: November 08, 2018, 09:57:47 AM »
Most don't know the difference between a soft and hard pull so don't believe them.
I just found a new supply of forks!

Offline Dovdovmoneytree

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Re: Dispute Credit pull?
« Reply #558 on: November 22, 2018, 11:43:02 PM »
Anything on your credit report can be disputed.
I tried disputing this unauthorized VZW inquiry with Equifax. Their response, on the phone and via mail, was that inquiries cannot be "disputed", they are " a factual record of file access", in other words- it happened and can't be disputed. But why the heck should I absorb a fraudulent hard pull?? Anything I can do here? Equifax says I need to contact VZW, when I spoke to VZW, they claimed they automatically notify Equifax of an inquiry in error. But it is still on my report- since Oct 30th. Any advice?

Offline Luvisrael

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Re: Dispute Credit pull?
« Reply #559 on: December 19, 2018, 02:24:05 PM »
Just applied for a lease on a specific model vehicle. Got approved but than the leasing agent calls me back saying THE MODEL I APPROVED FOR ISNT AVAILBLE but he can offer a different model. who and how can i dispute this with? TIA