Question

Tmobile Ran my credit without my consent

  • 18 September 2021
  • 12 replies
  • 136 views

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I went to Tmobile store to check on a plan, ask for my last 4 digits of SS #. It was only after I declined the new plan that I was told they pulled my credit. I almost lost it, how could they do that with telling you first?


12 replies

How can they pull your credit with only 4 numbers out of 11?

Userlevel 1

How can they pull your credit with only 4 numbers out of 11?

You have an 11-digit SSN!

 

Teemobile, are you an existing customer on a postpaid plan?  With existing relationships, permissible purpose for credit pulling is somewhat looser

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Hello, what do you mean by looser? Shouldn't they disclose that they are pulling your credit?

Userlevel 7
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My guess is a credit check needed to be done to see if you qualified for the plan.  Your SSN is already on the account.  Asking for the last 4 is just the simple way of verifying who they are talking to.  You gave consent to T-Mobile to do a credit check when you signed up for your service.  If it has been a long time since a credit check has been done.  It can easily be done again with a couple of clicks and might have been required to verify your accounts eligibility for the plan.  They should have told you first, but I don’t think they actually need to tell you.  Running your credit doesn’t impact your credit rating usually.  

Userlevel 1

My guess is a credit check needed to be done to see if you qualified for the plan.  Your SSN is already on the account.  Asking for the last 4 is just the simple way of verifying who they are talking to.  You gave consent to T-Mobile to do a credit check when you signed up for your service.  If it has been a long time since a credit check has been done.  It can easily be done again with a couple of clicks and might have been required to verify your accounts eligibility for the plan.  They should have told you first, but I don’t think they actually need to tell you.  Running your credit doesn’t impact your credit rating usually.  

Right, once you have an existing relationship, the idea is the creditors have a “permissible purpose” to run credit checks without asking and you might have agreed to this deep down inside the terms and conditions when you signed up. 

Userlevel 7
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I recently bought a house and the mortgage company ran my credit 3 times in a span of 2 months and it didn't affect my credit score until the we signed the loan papers and officially took on debt.

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Banks,mortgage and credit card companies run these types of credit checks, when your asking for credit increase or a different product. They inform you and you consent. I dont understand a phone service running a check on your credit without your consent. If those are your intentions then explain it clearly, not waiting until your about to exit to drop that information on you.

Userlevel 7
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Banks,mortgage and credit card companies run these types of credit checks, when your asking for credit increase or a different product. They inform you and you consent. I dont understand a phone service running a check on your credit without your consent. If those are your intentions then explain it clearly, not waiting until your about to exit to drop that information on you.


Yes I know that but I had 5 hard credit checks done and my credit score stayed the same. I didn't get upset about it since they'll drop off down the road.

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The key word is "consent". 

Userlevel 7
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The key word is "consent". 

I'm sure you already provided that consent when you signed up for your service. 

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I didnt sign up for service. If I had I wouldn't be having this conversation.

Userlevel 7
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I didnt sign up for service. If I had I wouldn't be having this conversation.

So, you are not a T-Mobile customer? 

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