At&t wants to charge a $500 deposit for a credit score of 768
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Anonymous
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I went to AT&T today to open a phone line in my name. When I entered the credit portion of my application, the store salesman received information back on his iPad that a $500 deposit was required as a result of my credit check.
My transunion score is 768. We have no credit card debt. 370K on a mortgage. No car payments. 175K HHI. 60K savings in bank. We are not late on bills ever. I just reran my credit report and there are no red flags, nothing new, no fraud, etc. I suspect this has something to do with my recent name change. My name was "Mary Jane Smith" and I changed it (finally) to "Jane Smith Cook" this past summer after 2 years of marriage. I received my new social security cards and my drivers license in my new name. Had no problem changing bank account over, etc. Not sure how to verify this with the credit agencies? AT&T was not able to tell me anything. They were not able to tell me the exact company that ran the report (just that it was either Equi, Experian, or Trans) and what criteria was required for no deposit. Basically my choice is to 1. Fix my credit (how?) 2. Pay At&t $500 for no reason 3. ??? Help DCUM |
Anonymous
| Go to another phone company. |
Anonymous
| They are required to provide you the name of the credit agency if their decision adversely affects you, which it does. |
Anonymous
Required by what? Thanks |
Anonymous
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Required under fair credit reporting act.
Why not just have hubby apply for the account, since his name hasn't changed? |
Anonymous
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Pull all three bureaus. One of them will show the inquiry.
My personal guess is the report came back as unable to match you, so it defaulted to $500 deposit required. Also yes FCRA. |
Anonymous
| Why don't you open the account in your husband name or a joint |
Anonymous
| I don't understand your name change. |
Anonymous
| I don't understand your name change. |
Anonymous
She got married... |
Anonymous
this... don't even bother with the why's and what to do's you have a high credit score -- tell them to kiss your monkey and move on |
Anonymous
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I don't understand this band change either, she flipped her middle and last name? That would be a red flag if someone was trying to id theft.
"Mary Jane Smith" and I changed it (finally) to "Jane Smith Cook" |
Anonymous
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Why is this so confusing?
Her name was "Mary Jane Smith" She went by "Jane Smith". She got married to someone named Cook and changed her name to "Jane Smith Cook", dropping her first name instead of her middle name as that is how she is known. |
Anonymous
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Happened to my brother in law.
Drop AT&T.What a joke.Don't think it has anything to do with credit companies-all your scores are great probably. Seems rather that they know you have $500 that they can keep for awhile. I'd be insulted and pissed. |
Anonymous
| There are too many companies out their to pay a deposit. look at prepaid..they are usually much cheaper and you don't have to sign a contract. |