Disputing an inquiry on credit report

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downloadingnancy
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Disputing an inquiry on credit report

Postby downloadingnancy » Wed Jun 25, 2014 6:08 pm

So I recently checked my credit report. I have 3 inquiries total. I wanted to know if I can dispute one of them. This is what happened...November of last year I went to the att store just to get a sim card for a prepaid phone. The guy helping me started explaining their plans even after I told him what I wanted. Minutes passed by and he asked for my information, including my ssn. I was confused as why he needed it and I asked him and he says he needs it to check what I am eligible for so I gave it to him. Once he told me the price I asked why is it so high if I'm just getting prepaid plan and that's when he's like "oooohh you wanted prepaid" I said yes, tha"s why I was a bit confused as why you needed my ssn just for a prepaid plan. I guess my question is if I can dispute this inquiry or not? Yes because I had told him what I wanted or no because I gave him my ssn as a consent to run it? Help, please and thank you.


MemberSince99
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Postby MemberSince99 » Wed Jun 25, 2014 9:51 pm

If he did not get your permission to check your credit I think you have a valid reason for a dispute. If he was sneaky and gave you paperwork to sign and you didn't read it and it authorized them to check your credit, then you would be on the hook if they don't agree with your dispute.


Moral of the story is NEVER just hand out your SSN like candy to every joker who asks for it. Make sure they have a legitimate reason for it. It should have tipped you off he's going to check your credit, but it's a lesson for dealing with the next idiot who asks for it. Unless they have a reason to check your credit you are ok with, tell them NO.

downloadingnancy
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Joined: Sun Sep 01, 2013 8:39 pm
Location: USA

Postby downloadingnancy » Thu Jun 26, 2014 7:21 pm

Thank you. Yeah, now I know to make sure to ask the reason they need it or make sure they understand what I want.



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