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Quick question... Does Lending Tree really work for refinancing mortgages? Are they worth trying? Hoping for any answer. Second question.. I am shopping for insurance (I have Shelters which does not accept credit cards and wanted to change it). While getting the quote I made clear that I did not want them to pull my CR. The lady said they would pull soft (I believed as other Ins Co. |
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Yep, although you might wanna make sure and wait for another member to confirm it as I am on the fence. Better yet, why don't you give a call to the Lending Tree guys because they can give you help better...
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We use Prudential, and as all of the above, there is now a hard pull on our equifax report..
Went to Equifax to pull my score and report and now theyre selling our "car insurance scores".. Didn't buy it because I don't know what to do with score once I get it. At least w/ some credit issuers you know where you fico score standswho knows w/ the insurance industry... |
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If you told a GEICO rep not to pull your credit and they did it anyway, write a letter to GEICO compliance department at the Washington DC address, and explain to them what happened and that you want the inquiry removed. The agent is.
NOT. Supposed to pull if you say no.. When they say it is soft, they mean it is coded as "insurance inquiry," not as an application for credit, and it should not be counted against you if you do apply for credit. GEICO's software does code for insurance, some companies use older software that does not code as insurance. But, regardless, GEICO agents have instructions not to pull if you say no.. If you really don't want it, don't let them talk you into it. If your credit is good, it can override a bad driving record (yeah, go figure).. I have seen 19 year olds with good credit who only have 2 years of driving experience get preferred rates... |
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I was getting insurance quote from Progressive insurance and they pulled hard inquiry from my Experian report. I dispute it and I told them it wasn't mine. Next thing they removed it within a month..
Ron... |
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If you originated the transaction (i.e. shopping for insurance) they can pull either hard or soft. The FCRA makes no distinction between the two..
Also, $1000 is the. Minimum. , not the maximum, you can sue for a non-permissible pull... |
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Breeze,.
I pulled my Equfax report and it says my "Auto Insurance score" is 733. Pertaining to Geico, is this good enough to get a good rate?.. |
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FARMERS IS NOW DOING A "HARD" EVERY 6 MONTHS ON TRANS UNION...I am going to send a CEASE and DESIST letter...I NEITHER HAVE A CREDIT CARD nor a Lending Tree loan with them...so they do not need to pull any kind of credit report!!!.
YOU CAN NOT "SEE" HOW SOMEBODY DRIVES BY THEIR CREDIT REPORT!!!. I HAVE NO "BADDIES" BUT I STILL DON'T NEED THE INQUIRY HIT!!!.. |
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A "SOFT" WAS NOT GOOD ENOUGH!!! IT DIDN'T LOWER THE SCORE...SO THEY DO A "HARD" NOW!!!..
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Is this a fact? Do they really pull a hard on each customer every six months? I just became a GEICO customer 2 weeks ago. How can we stop them from pulling hard inquiries?..
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From Progressive's website:.
If we check your credit while giving you a quote, will that affect your credit rating?. Generally not. While the Progressive inquiry will appear on your credit report, it is clearly identified as an insurance inquiry. Fair, Isaac, & Co., the leading provider of insurance credit scores to lenders, excludes insurance inquiries from it's Lending Tree credit score calculations. Likewise, Progressive excludes insurance inquiries from the information we use... |
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A "SOFT" WAS NOT GOOD ENOUGH!!! IT DIDN'T LOWER THE SCORE...SO THEY DO A "HARD" NOW!!!.
GEORGE. ======================. They are doing this to lower your score so they can use bad credit as an excuse to raise your insurance premiums.. The END ************************* LB 59.. |
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FYI....
When I got my Geico insurance, I insisted no credit report and the did NOT pull one.. Additionally, you can no longer pay Geico insurance with a credit card. I used to always pay with a credit card. I am pretty pissed off about this and am thinking of switching my car insurance.. Breeze, why does Geico no longer accept credit card payments?.. |
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Don't accept CC? That was one of the main reasons I wanted to switch. No FF miles :(..
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1*When did they start that?.
2*[Breeze is this true and if so why?QUOTE]. Originally posted by the other. FYI.... Additionally, you can no longer pay Geico insurance with a credit card .. Breeze, why does Geico no longer accept credit card payments?. [/quote].. |
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Oh, yeah?.
Hubby was insurance shopping...ended up with 4 hards. NONE of the companies told him they were pulling. Total BS. Inqs appear on eq AND tu. sucky sucky sucky... |
