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.
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.
