A cellular and mobile phone forum. CellBanter

Go Back   Home » CellBanter forum » Airtime providers » Cingular
Site Map Home Register Authors List Search Today's Posts Mark Forums Read Web Partners

Credit Inquiry by Cingular Wireless



 
 
Thread Tools Display Modes
  #21  
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.




Ads
  #22  
Old May 31st 04, 06:18 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

And the following from privacyrights.org


Can the information in my credit file be used for any other purposes?

Yes. The practice of generating and selling lists for use in "pre-approved"
credit and insurance offers is allowed by law. Trans Union, Experian and
Equifax all engage in selling lists of consumers who meet certain criteria
in order to receive a "firm" offer of credit or insurance. This is the
source of the many pre-approved credit offers most consumers receive in the
mail. "Pre-approved" and so-called "firm" offers of credit, however, can be
somewhat misleading. A creditor may legally look at your report before
making the offer. If you respond, the creditor may again access your report
before you are actually granted credit. They can deny your credit
application at that time. This is explained in the fine print on the
pre-approved offer.

The law does not allow CRAs to compile and sell information from credit
reports for the purpose of direct marketing. Although CRAs have engaged in
this practice in the past, the Federal Trade Commission, on March 1, 2000,
ruled that Trans Union violated the FCRA by the sale of personal credit
information for target marketing purposes. To read the FTC's full opinion,
see www.ftc.gov/opa/2000/03/transunion.htm. Trans Union has appealed the FTC
's decision and the matter is now under review in federal court. Equifax
states it does not sell lists used for direct or target marketing. Experian,
on the other hand, sells lists of consumers to marketers derived from
consumer surveys, demographics sources, and public records. Experian states
that it does not sell information obtained directly from credit reports for
marketing purposes. See www.experian.com/directmktg/lists.html.

You can remove your name from any list compiled by a CRA, whether the list
is for pre-approved credit offers or direct marketing. To "opt-out," that
is, to remove your name from mailing lists compiled by credit bureaus, call
the toll-free number all CRAs are required by law to maintain for this
purpose: (888) 5OPTOUT or (888) 567-8688. This phone number can be used to
remove your name from the list of all three CRAs. You may also write to the
CRA, and the CRA may also provide an online means for opting-out.

"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.




  #23  
Old May 31st 04, 06:18 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

And the following from privacyrights.org


Can the information in my credit file be used for any other purposes?

Yes. The practice of generating and selling lists for use in "pre-approved"
credit and insurance offers is allowed by law. Trans Union, Experian and
Equifax all engage in selling lists of consumers who meet certain criteria
in order to receive a "firm" offer of credit or insurance. This is the
source of the many pre-approved credit offers most consumers receive in the
mail. "Pre-approved" and so-called "firm" offers of credit, however, can be
somewhat misleading. A creditor may legally look at your report before
making the offer. If you respond, the creditor may again access your report
before you are actually granted credit. They can deny your credit
application at that time. This is explained in the fine print on the
pre-approved offer.

The law does not allow CRAs to compile and sell information from credit
reports for the purpose of direct marketing. Although CRAs have engaged in
this practice in the past, the Federal Trade Commission, on March 1, 2000,
ruled that Trans Union violated the FCRA by the sale of personal credit
information for target marketing purposes. To read the FTC's full opinion,
see www.ftc.gov/opa/2000/03/transunion.htm. Trans Union has appealed the FTC
's decision and the matter is now under review in federal court. Equifax
states it does not sell lists used for direct or target marketing. Experian,
on the other hand, sells lists of consumers to marketers derived from
consumer surveys, demographics sources, and public records. Experian states
that it does not sell information obtained directly from credit reports for
marketing purposes. See www.experian.com/directmktg/lists.html.

You can remove your name from any list compiled by a CRA, whether the list
is for pre-approved credit offers or direct marketing. To "opt-out," that
is, to remove your name from mailing lists compiled by credit bureaus, call
the toll-free number all CRAs are required by law to maintain for this
purpose: (888) 5OPTOUT or (888) 567-8688. This phone number can be used to
remove your name from the list of all three CRAs. You may also write to the
CRA, and the CRA may also provide an online means for opting-out.

"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.




  #24  
Old May 31st 04, 06:19 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Sorry, there are very specific ways of correcting/disputing information, and
this is not one of them.

"John S." wrote in message
...
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



  #25  
Old May 31st 04, 06:19 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Sorry, there are very specific ways of correcting/disputing information, and
this is not one of them.

"John S." wrote in message
...
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



  #26  
Old May 31st 04, 10:03 PM
Scott Stephenson
external usenet poster
 
Posts: n/a
Default


"Sharon Needles" wrote in message
...
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.


Actually, the FCRA was enacted to give consumers a path of action if there
were errors on their credit report, and to prevent false information from
hitting your credit report (among other things not related to the report).
Your credit report is accurate- Cingular did the credit check. There is
nothing to dispute. The phone number that was being ported was associated
with your wife's credit (prior to the port). By allowing someone to port
that number, you have given permission for the companies to perform whatever
business practices they have in effect to port a number. If running the
credit report of the person responsible for the number is a part of that
business process, they are within their rights to do so. The only person
you would have a beef with is the person who initiated the porting process,
because it appears that they set a course of action into motion that is
unacceptable to you.


  #27  
Old May 31st 04, 10:03 PM
Scott Stephenson
external usenet poster
 
Posts: n/a
Default


"Sharon Needles" wrote in message
...
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.


Actually, the FCRA was enacted to give consumers a path of action if there
were errors on their credit report, and to prevent false information from
hitting your credit report (among other things not related to the report).
Your credit report is accurate- Cingular did the credit check. There is
nothing to dispute. The phone number that was being ported was associated
with your wife's credit (prior to the port). By allowing someone to port
that number, you have given permission for the companies to perform whatever
business practices they have in effect to port a number. If running the
credit report of the person responsible for the number is a part of that
business process, they are within their rights to do so. The only person
you would have a beef with is the person who initiated the porting process,
because it appears that they set a course of action into motion that is
unacceptable to you.


  #28  
Old June 1st 04, 12:11 AM
RWEmerson
external usenet poster
 
Posts: n/a
Default


"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.

[SNIP]

Simply incorrect. Your anger is based in large measure on not understanding
the issue. As Tee Box suggested, you ought to get over this and move on.


  #29  
Old June 1st 04, 12:11 AM
RWEmerson
external usenet poster
 
Posts: n/a
Default


"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.

[SNIP]

Simply incorrect. Your anger is based in large measure on not understanding
the issue. As Tee Box suggested, you ought to get over this and move on.


  #30  
Old June 1st 04, 12:12 AM
RWEmerson
external usenet poster
 
Posts: n/a
Default


"Tee Box" wrote in message
news:[email protected]
Go to this link and pay very close attention to para 604.
http://www.ftc.gov/os/statutes/fcra.htm#604


Bingo!


 




Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
New Cingular feature coming in October Frederick Claus Cingular 37 October 18th 05 04:37 AM
The Fall of AT&T Wireless :P AT&T Wireless 12 November 15th 04 12:14 PM


All times are GMT +1. The time now is 11:31 AM.


Powered by vBulletin® Version 3.6.4
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
Copyright 2004-2018 CellBanter.
The comments are property of their posters.