Jump to content

Sign in to follow this  
ellesig4

Hard Pull without Authorization

Recommended Posts

Is there anything you can do if someone pulls your credit w/o your authorization? Long story short an overzealous Loan Officer pulled a full Triple report W/O my permission or authorization

 

I'm worried about any additional hard pulls affecting my credit/score

Edited by ellesig4

Share this post


Link to post
Share on other sites

Did you apply for credit with the overzelous loan officer? Is this a bank ot credit union?

 

This happen to me once when I was running a member credit the computer froze on me so I hit refresh twice and it showed that I pulled the member credit twice, I told the member he could dispute it if he was worried about his score be affected. but it only knocked him down 4 points; he still got apptoved with the credit union though.

Share this post


Link to post
Share on other sites

if you truly did not authorize the hard pulls, call the LO and explain the situation and that you're protecting your credit scores. ask them to change it from a hard to a soft. if they wont do that, send a nonPP letter.

Share this post


Link to post
Share on other sites

I did not authorize the hard pull. I sent him my W-2's and paystubs for him to review on Friday and told him to talk to his underwriter to make sure that they could work with me before we went ahead in the process. He even sent an authorization form to pull credit which I did not fill out.

 

In the mean time a LO I was working with previsouly contacts me and lets me know they can get me the pre-approval, so I'm like great, and I liked this LO better.

 

Meanwhile the guy who I just sent my W-2 and paystubs to is emailing me, call me, we can get you done, blah blah blah...I don't get a chance to respond to his emails. Next thing you know he sent me an email with the tri-merge report he had pulled and asking me questions and saying CALL ME ASAP.

 

WHAT?! I haven't even talked to you since Friday, I have no relationship with you, and so you pull my info off of my w-2's and use it to pull my report. I was so angry. Then he tried to play dumb like that's what I wanted, I'm like no I said specifically to review info to make sure it would work and then I would let you know when to move forward. And what happened to that Aurthorization form you sent me?

 

In my situaiton I realize that getting a loan is not going to be so easy so I was taking pains to make sure things would work with the companies/banks I choose before I had people pulling credit willie nillie.

 

Anyway, not to harp...I'm just going to ask if he can make that a softpull. For me 4 points can make a difference between me closing and not closing. :(

Share this post


Link to post
Share on other sites
...He even sent an authorization form to pull credit which I did not fill out....

 

that there is your SILVER BULLET. if he gives you a hard time about the pull, talk to a manager and ask them for a copy of the authorization that you supposedly signed for this pull. be nice and let him know that you're just protecting your rights under the FCRA....

 

they should very quickly reverse this.

Share this post


Link to post
Share on other sites

Ok so he said he would do that. He knows he was in the wrong. I'm glad I did not fly off at the handle on him or he may be more reluctant to help.

Share this post


Link to post
Share on other sites
Ok so he said he would do that. He knows he was in the wrong. I'm glad I did not fly off at the handle on him or he may be more reluctant to help.

 

:cry2: Good deal.

Share this post


Link to post
Share on other sites
Ok so he said he would do that. He knows he was in the wrong. I'm glad I did not fly off at the handle on him or he may be more reluctant to help.

 

You're glad you didn't fly off the handle...

 

I would have demanded a $500 check for the promise that I wouldn't drag them into court which would incur attorney fees on both parties sides, and $ in my favor. Then I'd take my business else where because I certainly would have learned my lesson not to do business with a company that has already started on the wrong foot.

Edited by no100player

Share this post


Link to post
Share on other sites
You could IGNORE the hards like some here say to do

 

 

It was just a matter of time. :good:

MEANING WHAT???

Share this post


Link to post
Share on other sites
You could IGNORE the hards like some here say to do

 

 

It was just a matter of time. :lol:

MEANING WHAT???

 

 

Meaning you're a legend.

meaning he is permitted to bait. the silly thing is the people he is baiting have never said IGNORE inquires. But then why let facts get in the way of a cut-n-paste.

Edited by hegemony

Share this post


Link to post
Share on other sites
'
You could IGNORE the hards like some here say to do

 

 

It was just a matter of time. :blink:

MEANING WHAT???

Meaning you could let a post go by where the word "Inquiry" was included without trying to bait someone into re-kindling your ancient argument.

 

Someone needs to start a thread about amex giving a cld because of an inquiry.

Sorry if it sounds like bashing George, but I'd love to see a post from you without already having read the contents 30 times before.

 

To that end..

I wonder if the word filter would work for this. The admin could set up a canned response to just answer the word "Inquiry" with "Some say hards don't matter" or "Some say ignore hards".

I wonder if they can get more advanced like if "CLI" and" hard" or "inquiry "are in the same post answer "Hard for increase..no thanks". The word "Amex" could just be auto answered with "30+ years and no missed payment, still got a 97.3% CLD"...lol :lol:

Share this post


Link to post
Share on other sites
You could IGNORE the hards like some here say to do

It was just a matter of time. :lol:

MEANING WHAT???

Meaning you're a legend.

 

:rofl: :rofl: :rofl: :rofl:

Share this post


Link to post
Share on other sites

Was wondering when George was going to pop in this thread.

 

OP glad everything worked out :rofl:

Share this post


Link to post
Share on other sites
Was wondering when George was going to pop in this thread.

 

OP glad everything worked out :D

The people who get to IGNORE them have never been denied for as little as 3 HARDS (and #3 was the current application)

 

Some people get -1 or -0 for a HARD...that doesn't mean everybody does

 

Not that I will give up STEAK for some random 3 digit number

Share this post


Link to post
Share on other sites
Was wondering when George was going to poop in this thread.

 

OP glad everything worked out :mellow:

 

I fixed your post. :(

Share this post


Link to post
Share on other sites
Was wondering when George was going to poop in this thread.

 

OP glad everything worked out :)

 

I fixed your post. :lol:

:rofl::rofl:

Share this post


Link to post
Share on other sites
Was wondering when George was going to poop in this thread.

 

OP glad everything worked out :)

 

I fixed your post. :lol:

:rofl::good:

SO FUNNY I FORGOT TO LAUGH

 

:)

Edited by GEORGE

Share this post


Link to post
Share on other sites
Was wondering when George was going to poop in this thread.

 

OP glad everything worked out B)

 

I fixed your post. :rofl:

:rofl::rofl:

:rofl:B):rofl:

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    1. seattle
      seattle
      Age: 42
    2. goodkarma127
      goodkarma127
      Age: 21
  • Member Statistics

    • Total Members
      178,000
    • Most Online
      2,046

    Newest Member
    EGAS
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines