Dispute Credit pull?

[Dovdovmoneytree]

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

Which bureau did they pull from? You can read my posts above; I had the same with Equifax (unauthorized, likely fraudulent, pull by Verizon Wireless). It seems pretty tough to dispute a pull without the company who pulled it sending in a letter of deletion. In your case that should be the vehicle finance company i.e Nissan Finance etc. The leasing agent is just the middleman, who likely just lost your biz  Good luck!

[Luvisrael]

Which bureau did they pull from? You can read my posts above; I had the same with Equifax (unauthorized, likely fraudulent, pull by Verizon Wireless). It seems pretty tough to dispute a pull without the company who pulled it sending in a letter of deletion. In your case that should be the vehicle finance company i.e Nissan Finance etc. The leasing agent is just the middleman, who likely just lost your biz  Good luck!

it was honda, but i dont know

[Dovdovmoneytree]

it was honda, but i dont know

I'm not sure what you mean by "but I don't know". You can try contacting the bureau they pulled from. But more than likely you will need to request from Honda that they send a letter of deletion to the credit bureau- based on the fact that the salesman pulled your leg.

[Zalmy]

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

I had this happen once and i was furious at the guy, never managed to do anything about it

[S209]

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

What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?

[grodnoking]

What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?

Woah! Assumptions assumptions!

[Luvisrael]

I'm not sure what you mean by "but I don't know". You can try contacting the bureau they pulled from. But more than likely you will need to request from Honda that they send a letter of deletion to the credit bureau- based on the fact that the salesman pulled your leg.

i mean i dont know which  credit bureau they pulled from

[LETSGOCUSTOM]

How late does a payment have to be for capital one to report it

[Dovdovmoneytree]

What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?

Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!

[ChaimMoskowitz]

i mean i dont know which  credit bureau they pulled from

CK gives you reports from two of them (TU & EQ).

[Zalmy]

Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!

It’s actually a common move in sales, based off of the concept of that you’re already in with the credit pulled, may as well get the other car from them

[Luvisrael]

Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!

not sure if he knew, he went down to pick up the car and he’s like oh they don’t have any more of that model left. I’m not sure if he’s at fault or the Honda dealership

[Luvisrael]

CK gives you reports from two of them (TU & EQ).

whats Ck?

[Luvisrael]

i mean i dont know which  credit bureau they pulled from

anyone know who Honda pulls from? And how does it work, does it just show on that one buereu or do I now have to dispute all of them

[ChaimMoskowitz]

whats Ck?

https://www.creditkarma.com/auth/logon

[chaim41]

Newbie Question here- I'd greatly appreciate any insight...

Just applied for a lease for my first car.
I got alerts that the dealer pulled my credit 4 times in an attempt to get me approval from 4 different banks. I thought he was going to do it just once.
Although my credit score is excellent, I have a light history because I've never leased a car before, and therefore did not get approved.
I'm wondering if these credit pulls will affect my score significantly and how I can try to reverse them.