In last week's mail I received a letter from Verizon Wireless thanking me for applying for an account with them and stating that a deposit would be required of me in order to receive service. They then stated that this decision was based on my credit report from either Equifax or Experian (I don't remember which and don't have it right in front of me at the moment), and gave all the standard info about how I could request a copy of my credit report and all. The thing is, I didn't apply for a Verizon account! I didn't apply for anything at all anytime recently. My first thought was that I was going to call them and pitch a fit because they'd now have put an inquiry on my report when I didn't apply with them. Then I thought maybe I *wouldn't* do that, but rather I'd just use this as an opportunity to get a free copy of my report. I was wondering, though: could I do both? I mean, could I use this letter to get a copy of my report, but still turn around and dispute the inquiry? For a moment I worried that I had an "identity theft" problem on my hands here and that someone had applied for a cell phone using my name. Then I realized that only a total idiot would ever try to use my identity. LOL. I have the worst credit on earth. Anyway, what does anyone think?
Under the circumstance inwhich you wrote, yes you can request the report based on two issues. 1:that you think a fraudelent mishap may have occurred.Stating you didnt apply for the verizon service. 2: Since Verizon states that they received this info based on an inquiry. Either will work. Good luck!
first, get the free copies of all of your CR's, and see if they pulled a "hard" or a "soft" inquiry. If it's a hard one, THEN you call and pitch a fit (there is a letter in the sample letters on this board, that disputes inquiries!)
Yes, Get the credit reports, for free. I would then be writing them a letter requesting payment of $1000.00 be mailed to me. With a few letters this has produced money in my wallet for my the troubles they have caused and a deletion of the illegal inquiry from my credit report. Go for it! Tac
It doesn't matter how bad your credit is when someone does identity theft. Remember, some thieves are stupid, they don't know how your credit is. (This is not an insult to you or your credit ;-) All they know is that they have information on them they can use to get things. Remember, Verizon gives chances to people who have all types of credit scores. Please check into this, I would hate for you to come to this board later and tell us someone stole your identity. If I am wrong, I am sorry, but call them and see what is going on.
Yes, you're right. After I get my free copy of the report, I am going to dispute the inquiry (of course) and then specifically call them and see what I can find out. Thanks.
The one they pulled is Experian, so that's the only one I can get for free, right? The other two I would have to pay for?
call the 1-800 #'s for the other two. it's just a recording, and you leave your info. just tell them that you have been denied credit.
So, won't they check to see if I've had any inquiries lately before they'll just send me a free copy based on my word that I was denied credit? But then, I guess if they do check and I haven't had any inquiries, then even without them sending me a free one I'd know that no one is out there making applications in my name. Right? Is that wwhat you were getting at?
no, just do it today, and let us know what happens. I had no inquiries, and I got all of mine that way
