I'm really sorry about the confusion we've caused. I did some digging for you and we do have some info online about our credit inquiries and how it can impact your score. I'm not familiar with T-Mobile sending a "deletion letter" but we do have ways to escalate any unauthorized inquiries. Seeing as this was a legitimate inquiry for service with us, I don't know if this'll be something that can be escalated. My apologies, I wish I had another alternative for you.
Where does it specifically say the words “hard inquiry”?
It doesn't use the term "hard inquiry." It'll only say that mentions that it may be effected if you're credit is checked. I understand the difference between the two and what you're asking for, but our terms don't specifically mention that we do soft credit checks, only that it may impact your credit if we do.
*DOES T-MOBILE CHECK MY CREDIT?
Yes, for many of our products and services. We may get information about your credit history from credit-reporting agencies, which may affect your credit rating. We may also report your payment record to credit-reporting agencies.
Exactly! T-Mobile CANNOT provide me with ANY document that says it will leave any type of inquiry so therefore, I have myself a case.
Dude it doesn't have to state "hard inquiry" or "hard pull". It states in plain English that T-Mobile will check your credit and that your credit will be affected.
Seriously cell phone companies have been running credit checks for as long asi can remember. Move on
The only documentation that we have is the public link to our terms that I left in my first post, but as mentioned, it does say it can effect your rating. I can pass along your feedback about how it's written to the right folks on our end to have it reviewed.
reapectfully, as a Industry vet with sales floor experience at Cingular/ATT/ & T-Mobile, as well as store manager of big box stores where I sold all carriers, this has been an issue for a decade. There’s at least one a class action lawsuit against you guys currently and there’s been a few before, in my personal experience there it’s mostly the fault of the sales reps either being ignorant or just not Caring, t mobile for some reason hasnt Rectified the situation by simply requiring a signed form (physical)
That clearly states the credit check details. There’s a reason that’s done elsewhere.
I hear what you're saying and we do appreciate the feedback. If you're not getting the best customer service in our retail stores, there are ways that we can report that and bring it to their attention. Here on the support site, we don't have the ability to change the requirements for credit checks or provide any other documentation other than the link I posted. A change like that would have to come from another department. As I mentioned before, I can pass this suggestion along, I just can't say for sure if this'll change or when. But, I can get your feedback in the right hands so our internal team can review it.
My problem exactly! All I did was get a postpaid connection - I did not want any device on lease or on a payment plan, and I was ASSURED multiple times at the store that this would be a soft pull. It's a hard pull, and everyone I've interacted with at customer support says that there's nothing they can do about it. Absolutely frustrating and unprofessional, I feel.
Have you had any movement towards a fair resolution, by any chance?
Out of curiosity - how many points were taken from credit score?
I just had the same thing happen to me at a T-Mobile store. Nailed me for 19 points from one hard inquiry. Solution you ask? First two options didn't work out, so I chose the third. As well as a complaint to the BBB.
DIRECTIONS TO DISPUTE T-MOBILE’S UNAUTHORIZED HARD INQUIRY
TransUnion dispute hard inquiry:
1st option- Contact T-Mobile and ask for a letter of deletion
2nd option- Ask T-Mobile to contact transunion
3rd option- File a police report, send police report to TransUnion
Mailing details for submitting police report to remove inquiry:
On a separate sheet of paper include :
Last four of Social Security Number
Reason for sending document and file number (Contact TransUnion at 1-800-916-8800 and ask for the file number for a dispute on the inquiry)
P.O. Box 2000
Chester, PA 19016
When we stand up, they fall down!
dinged my score 10 points!!!
i asked the supervisor and she said SOFT.
I had the exact same issue. Still trying to work through it. Only in my case, they left a hard hit on my credit report not once, but twice! Same day, same time stamp! The manager in the local store looked at it for himself on the computer - he actually saw it but then just gave me the standard policy BS and forms to file a dispute with TransUnion.
That they even do a credit check for a simple pre auth on a credit cared (NO hardware or utilities purchased - nothing) I truly believe is unnecessary, and maybe even unethical. But to do it twice is nothing short of incompetence.
I spoke with TransUnion an they told be that I had t get a special authorization from t-mobile before they could remove it - and t-mobile just told me to go to dispute.transunion.com! That portal does NOT allow me to dispute some report checks - including this one (ones) in question.
So I'm stuck! I really hate t-mobile for this. Totally not responsive or responsive to consumers at all.
I also emailed with BBB about this too but all they told me was to take it up with the initiator of the check and the reporting company. No help.
Next step - as above, I'm ready to file that police report to get at least one of these checks removed.
It's not their credit report so they don't care. That's how it looks to me.
Also looking for better cell phone service provider in the mean time.
My personal experience, my 0.02.
If there is anyone else in this position please post - maybe we can get some justice with a group of voices instead of just a few.
THE BBB sometimes are no help at all in these situations... I have contacted The better Business Bureau many times concerning a variety of different things with other companies and they usually tell me I need to contact the store. If the store already know what has transpired Why am I contacting the store (again)? Only 1 time after contacting the BBB paid off... because I ordered something from a Office Store and they charged my debit card but never delivered the item... several months later they never delivered the item.... the item was a large dresser and the driver wanted me to meet him at a Walmart parking lot because my street was two narrow. Wait a minute is this Craigslist????
You may be just out of luck (sorry)... these class action lawsuits are no guarantee you will win. The only true winner are the lawyers.