I just joined pg and saw that a company I had asked for HELOC from and then declined (rate was too high) has since pulled my report 5 more times! WTF?? I told them no, why are they pulling my credit? I can't tell if it's a hard or soft from PG, but my understanding is that it doesn't matter....that 5k right....should I settle for 2500 and deletions? Or should I ask for 5k + deletions and then negotiate down? Do I stand a chance? The last pull from them was in July, my original application was in March.....
Its a TOTAL of $1000.00 (up to actually) for the statutory damages. (ur state law could be more ie CA is $2500) BUT, the "other" damages are where the $$$ is at. Invasion of privacy claims, etc etc. But it may matter if it was a PRM IN THIS CASE. Because they already had your info when you applied, they could be actually making a "firm offer of credit" and not just receiving your name on a "list". Hope that helps.
