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pjrdn

O'reilly pulled personal credit w/o social on app!

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Hi all,

 

I've been learning from this thread for awhile and run a stable repair business. I applied to O'reilly's about a week ago w/o including my ssn. I discovered today via an alert from Equifax that O'reilly pulled a personal credit report even though I didn't put my ssn on the application. How is this possible? I was 100% sure I didn't provide them with this as I scanned the app to my pc to send through online fax. I checked the app I sent (although I was sure I didn'tto see if I put my ssn and sure enough it wasn't there. So I'm just letting you guys know that they may be pulling you and you may not know it. I am can't for the life of me figure out how they obtained it.

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SSN isn't required to pull credit. Only certain data points have to match. I'm sure some veterans can point you to the right discussions of this topic - it hasn't come up for a while.

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As Breeze said they don't need your social to pull your credit.. Your name and address is enough in most cases but a date of birth and social do help. If there is a section on a app asking for a PG always put a X though it. But some apps have it written in the general legal of the app that they may pull personal credit.

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Yes, I supplied dob. I didn't know I shouldn't. I figured that I was at least supposed to supply some information as to not raise red flags so to speak. Learn something new everyday

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Yes, I supplied dob. I didn't know I shouldn't. I figured that I was at least supposed to supply some information as to not raise red flags so to speak. Learn something new everyday

 

 

Yeah not a big deal. Live and learn. :)

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