Forum Discussion
Credit check left a hard inquiry
So, before I had established an account with t-mobile, a representative from t-mobile specifically told me that the credit check would be a SOFT PULL and NOT a HARD PULL. So i agreed to have them pull my credit since it was only going to be a SOFT PULL. After all was said and done, four days later i check my credit and BAAAM! It's a friggin HARD INQUIRY that showed up on my credit. Called t-mobile's credit department told them a t-mobile representative specifically told me it was going to be a SOFT INQUIRY and they told me that it's definitely going to be a HARD INQUIRY, according to their policy. To resolve this issue they told me to contact Transunion to dispute the inquiry. Transunion told me to call t-mobile. So i call t-mobile to see if they can provide me a document/policy that SPECIFICALLY SAYS IT WILL BE A HARD PULL/INQUIRY that shows up on your credit. I was then transferred about 600 different times to 600 different departments in t-mobile and NOT ONE can provide me a policy/document/credit disclosure that states that it will be a HARD INQUIRY. NOT ONE!!!!
Is there any way I can resolve this? Transunion said that t-mobile needs to provide me with a deletion letter that allows transunion to remove the inquiry from my credit, but apparently t-mobile cannot provide such a letter.
I hear what you're saying and we do appreciate the feedback. If you're not getting the best customer service in our retail stores, there are ways that we can report that and bring it to their attention. Here on the support site, we don't have the ability to change the requirements for credit checks or provide any other documentation other than the link I posted. A change like that would have to come from another department. As I mentioned before, I can pass this suggestion along, I just can't say for sure if this'll change or when. But, I can get your feedback in the right hands so our internal team can review it.
My problem exactly! All I did was get a postpaid connection - I did not want any device on lease or on a payment plan, and I was ASSURED multiple times at the store that this would be a soft pull. It's a hard pull, and everyone I've interacted with at customer support says that there's nothing they can do about it. Absolutely frustrating and unprofessional, I feel.
Have you had any movement towards a fair resolution, by any chance?
I just had the same thing happen to me at a T-Mobile store. Nailed me for 19 points from one hard inquiry. Solution you ask? First two options didn't work out, so I chose the third. As well as a complaint to the BBB.
DIRECTIONS TO DISPUTE T-MOBILE’S UNAUTHORIZED HARD INQUIRY
TransUnion dispute hard inquiry:
1st option- Contact T-Mobile and ask for a letter of deletion
2do option- Ask T-Mobile to contact transunion
3ª option- File a police report, send police report to TransUnion
Mailing details for submitting police report to remove inquiry:
On a separate sheet of paper include :
Nombre
Dirección
Last four of Social Security Number
Reason for sending document and file number (Contact TransUnion at 1-800-916-8800 and ask for the file number for a dispute on the inquiry)
Mail to
Attn: TransUnion
P.O. Box 2000
Chester, PA 19016
____________________________
When we stand up, they fall down!
Totally agree!
T-Mobile is a total piece of garbage company for placing a hard hit on a customer's credit report. Especially when credit reports impact REAL THINGS like buying a house! This is an evil business practice for a stupid $70/mo service that customers CAN CANCEL ANYTIME (or simply be turned off for non-payment)! People are not applying for a freaking car loan, and the fact that both the T-Mobile support and executive team refuses to operate in truth or be helpful with this is infuriating. Just saying 'we screwed your life, and we don't care' says everything about their corporate attitude.
After only three months of service, I just cancelled my T-Mobile account because of how badly they treat their customers, and will be posting a lengthy feature article slamming this company and its practice on my company's travel site. Our team of writers has been touring the world for over a year and wanted to use the T-Moible international plan, but after this experience we will be letting all of our readers know to STAY AWAY FROM T-MOBILE! There are better options for international data plans and we'll be promoting them all.
I'm really sorry about the confusion we've caused. I did some digging for you and we do have some info en línea about our credit inquiries and how it can impact your score. I'm not familiar with T-Mobile sending a "deletion letter" but we do have ways to escalate any unauthorized inquiries. Seeing as this was a legitimate inquiry for service with us, I don't know if this'll be something that can be escalated. My apologies, I wish I had another alternative for you.
Where does it specifically say the words “hard inquiry”?
It doesn't use the term "hard inquiry." It'll only say that mentions that it may be effected if you're credit is checked. I understand the difference between the two and what you're asking for, but our terms don't specifically mention that we do soft credit checks, only that it may impact your credit if we do.
*¿REVISA T-MOBILE MI HISTORIAL DE CRÉDITO?
Si, para muchos de nuestros productos y servicios. Podemos obtener información sobre tu historial de crédito de agencias de informes crediticios, lo cual podría afectar tu calificación crediticia. También podemos reportar tu historial de pagos a las agencias de informes crediticios.
Exactly! T-Mobile CANNOT provide me with ANY document that says it will leave any type of inquiry so therefore, I have myself a case.
Dude it doesn't have to state "hard inquiry" or "hard pull". It states in plain English that T-Mobile will check your credit and that your credit will be affected.
Seriously cell phone companies have been running credit checks for as long asi can remember. Move on
Amen!
The only documentation that we have is the public link to our terms that I left in my first post, but as mentioned, it does say it can effect your rating. I can pass along your feedback about how it's written to the right folks on our end to have it reviewed.
