Since 9/11, buying a pack of gum is permissable purpose. I'm obviously exaggerating, but not by much. When will we get together and say "Enough!" ??
Are you ordering them and paying later? Is it a credit report or Chexsystems? I understand that Chex pulls are routine to make sure the account is in good standing.
I've been saying that for years but I don't have enough people chanting it with me so it's barely a whisper. """"""""""""""""""""""""""""""""""
The check printing co.says they use Ex.to make sure it's you that is ordering the checks. They claim it is to protect you from ID theft.
Re: Re: Pp SORRY--THAT DOESN'T WORK--NO CREDIT IS INVOLVED!!! ASK FOR YOU MONEY BACK ON THE CHECKS AND TAKE YOUR BUSINESS TO ANOTHER CHECK PRINTING COMPANY... AND SEND A $1,000 NO PP LETTER!!!
Re: Re: Pp i work for a large bank (i won't say which one) but the bank isn't allowed to pull credit when you re-order checks. HOWEVER, this is the check printing company?!?!?! they had better not have your personal information to pull a credit report or otherwise your bank could face a hefty lawsuit. Yes, Lbrown, the "L" word did come out of my mouth. last time i checked, your SSN isn't on your checks. remember a few years back when USBank sold off customers info (including ssn, acct #'s etc) to an outside marketing firm? lets just say i was one of the lucky ones whose identity was stolen....nice amount of $$$ in my pocket from that lawsuit.
Re: Re: Re: Pp If I can find the webb site where i saw this I can post a link so all can take a look at it.
Re: USBank Lawsuit <http://www.ag.state.mn.us/consumer/Privacy/PR/pr_usbank_06091999.html> leading to, <http://www.bankersonline.com/articles/v05n10/v05n10a11.html>
Re: Re: Re: Pp quote: -------------------------------------------------------------------------------- Originally posted by jenz i work for a large bank (i won't say which one) but the bank isn't allowed to pull credit when you re-order checks. HOWEVER, this is the check printing company?!?!?! they had better not have your personal information to pull a credit report or otherwise your bank could face a hefty lawsuit. Yes, Lbrown, the "L" word did come out of my mouth. last time i checked, your SSN isn't on your checks. remember a few years back when USBank sold off customers info (including ssn, acct #'s etc) to an outside marketing firm? lets just say i was one of the lucky ones whose identity was stolen....nice amount of $$$ in my pocket from that lawsuit. -------------------------------------------------------------------------------- If I can find the webb site where i saw this I can post a link so all can take a look at it. ~~~~~~~~~~~~~~~~~~~~ Hereis the site where I read about this. www.easyorder.checkselections.com """""""""""""""""""""""""""""""""" """""""""""""""""""""""""""""""""" """"""""""""""""""""""""""""""""""
Re: Re: Re: Pp They say your credit report will not take a hit from their inquiry. Do they do a PRM or a AR, or what?
Re: Re: Re: Re: Pp Unfortunately, with the vague, consumer initiated transaction clause of the pp section, they should be able to claim a pp. Unfortunately, with the vague consumer initiated transaction clause, theoretically they could pull a soft the second you try to do any type of monitary transaction. i.e. Consumer initiated check purchasing transaction, when consumer filled out the form to order their checks. So we had a PP to pull a report. Now if they pull a hard for a credit report just for address verification, I would say that it would be a lot less plausable. Remember, companies don't need your SSN to pull up a credit report in most cases. In most cases, they can type in NAME; Address; City; State; Zip and pull up your report. Which is why Experian is full of %#^# when they claim that they can't pull up a report to do investigation if you don't include your name, address, city, state, zip, ssn, report number, forms of id, _AND_ utility bills, etc. -- And they try to claim the equally as vague, "consumer firnish proper identification" clause for these absurd levels of idiocy. I know tell them how I really feel...
Re: Re: Re: Re: Pp They claim in their web advertising their inquiry will not hurt your credit report. If they pull a hard inquiry, file complaint with FTC for false advertising.
Re: Re: Re: Re: Pp Their advertising is part of the terms of their offer. If you accept their offer, you now have a contract. Although the general terms of the FCRA apply, they have voluntarily placed more restrictive conditions on themselves and you have accepted those terms as a condition of giving them your business. They are bound, and the looser FCRA requirements do not give them an out. FTC has gone after other web advertisers for collecting information for one purpose and using it for another. You have provided your information to make an order, with specifically no authorization for an inquiry that would "hit" your credit report, and these terms are in "writing", on their web site. Simply hold them to it.
Re: Re: Re: Re: Pp i would suggest shopping around for a checking account that offers free checks. i have never ordered checks from an outside source directly and i know for a fact that all a bank provides to their printing company is the information on your check.
Re: Re: Re: Re: Pp no - they need a ssn. i have three john johnson's right now in a 5 mile radious.... an address isnt always correct on a credit bureau and besides, how does pulling credit verify you? so you know someones name, address etc? do you know how easy it would be able to get credit in someone elses name?
Re: Re: Pp Read their privacy policy: Also, we may collect Information about you that we obtain from consumer reporting agencies, such as your credit worthiness and credit history.
