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Credit Inquiry by Cingular Wireless



 
 
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  #11  
Old May 31st 04, 04:39 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

First, companies can only request a credit report when they have a valid
reason to do so.
Second, if you have an account with any company, they can and do run
periodic checks on you.
Third, the inquires that you see from credit card companies are not specific
to your SSN. They are generated in bulk based upon criteria set by the
requestor. They didn't use your SSN to access it. That's what generates
the mail you get for new cards.
Fourth, you can request that credit bureaus not include you in those
marketing searches and/or no requests without your specific permission.
Fifth, as someone else said, get over it.

"RWEmerson" wrote in message
...

"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




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  #12  
Old May 31st 04, 05:00 PM
Sharon Needles
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Posts: n/a
Default

You have missed the point. My wife did NOT authorize anyone from
Cingular to pull her credit report. My wife's mother did NOT
authorize anyone from Cingular to pull her daughter's credit report.
They did it on their own. They got the SSN from the port request from
ATTWS and ran her credit without her consent.

What don't you understand about this? I have made myself very clear.
Do you work for Cingular?

Consumers do have rights. The Fair Credit Reporting Act was created
for disputes just like this.

SN



On 31 May 2004 12:31:50 GMT, pamfree (John S.)
wrote:

What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY retail
company can run a credit report on ANY person that they get a SSN for unless
that person has previously told the company that they can't.


  #13  
Old May 31st 04, 05:00 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

You have missed the point. My wife did NOT authorize anyone from
Cingular to pull her credit report. My wife's mother did NOT
authorize anyone from Cingular to pull her daughter's credit report.
They did it on their own. They got the SSN from the port request from
ATTWS and ran her credit without her consent.

What don't you understand about this? I have made myself very clear.
Do you work for Cingular?

Consumers do have rights. The Fair Credit Reporting Act was created
for disputes just like this.

SN



On 31 May 2004 12:31:50 GMT, pamfree (John S.)
wrote:

What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY retail
company can run a credit report on ANY person that they get a SSN for unless
that person has previously told the company that they can't.


  #14  
Old May 31st 04, 05:02 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.


  #15  
Old May 31st 04, 05:02 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.


  #16  
Old May 31st 04, 06:07 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.

"Sharon Needles" wrote in message
...
Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?

First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse.

ANY
retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




  #17  
Old May 31st 04, 06:07 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.

"Sharon Needles" wrote in message
...
Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?

First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse.

ANY
retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




  #18  
Old May 31st 04, 06:10 PM
John S.
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.


I would like to correspond with you a bit because of issues I have and don't
know how to correct.

E-Mail me?

--
John S.
e-mail responses to - john at kiana dot net
  #19  
Old May 31st 04, 06:10 PM
John S.
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.


I would like to correspond with you a bit because of issues I have and don't
know how to correct.

E-Mail me?

--
John S.
e-mail responses to - john at kiana dot net
  #20  
Old May 31st 04, 06:12 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Go to this link and pay very close attention to para 604.
http://www.ftc.gov/os/statutes/fcra.htm#604

"Sharon Needles" wrote in message
...
Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?

First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse.

ANY
retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




 




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