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...
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 had the exact same issue. Still trying to work through it. Only in my case, they left a hard hit on my credit report not once, but twice! Same day, same time stamp! The manager in the local store looked at it for himself on the computer - he actually saw it but then just gave me the standard policy BS and forms to file a dispute with TransUnion.
That they even do a credit check for a simple pre auth on a credit cared (NO hardware or utilities purchased - nothing) I truly believe is unnecessary, and maybe even unethical. But to do it twice is nothing short of incompetence.
I spoke with TransUnion an they told be that I had t get a special authorization from t-mobile before they could remove it - and t-mobile just told me to go to dispute.transunion.com! That portal does NOT allow me to dispute some report checks - including this one (ones) in question.
So I'm stuck! I really hate t-mobile for this. Totally not responsive or responsive to consumers at all.
I also emailed with BBB about this too but all they told me was to take it up with the initiator of the check and the reporting company. No help.
Next step - as above, I'm ready to file that police report to get at least one of these checks removed.
It's not their credit report so they don't care. That's how it looks to me.
Also looking for better cell phone service provider in the mean time.
Totally brutal.
My personal experience, my 0.02.
If there is anyone else in this position please post - maybe we can get some justice with a group of voices instead of just a few.
