My husband allowed a representative to do a soft credit report in order to install an ADT alarm. After trying to get a hold of them for 2 months I went straight thru ADT and finally they were able to get a hold of a representative. They gave me the run around for 3 weeks, and finally listened to the call where it was my husband giving the last 4 of my SSN and authorization. I know it is against FCRA for someone to pull my report without my authorization. Does the same rule apply for a soft pull? I want out of this contract and the third party agency is telling to me take it up with my husband, even though It was not me signing the contract.
It seems that you are not as concerned with the credit pull as you are with the alarm contract.
with ADT there is nothing that you can say which will convince them to cancel the contract. They already paid the commission to the salesperson. You can try suing them in Small Claims Court for the total amount of the contract and see whether they want to fight it (by bringing their witnesses and representatives to court) or whether they will agree to cancel the contract.
This needs to be under contracts. Good luck.
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A credit pull is permitted for an application for credit or for an ongoing credit relationship with a business, so no violation of the FCRA to justify a damages award, at least at this point, from your posting. If you get out of the contract and settle with the alarm company, they would not be permitted to review your credit after that, unless you apply for a new transaction with them.
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