LOANDEPOT.COM/CREDCO Pulled a hard inquiry vs soft inquiry San Diego California
On 11/20/2014 I took a call from Loan Dept - they had been calling me for weeks. I had been interested in refinancing but was only researching and was not ready to make any definiate decisions. I explained this to the salesman - he asked some questions and then asked for my ss# I asked him why he said he wanted to pull a credit report I told him I didn't not want him to pull my credit as I didn't want any inquires at this time. He assured me it would not be on my report as it would only be a soft pull. I asked him twice - he also mention the call was recorded.
To make a long story short after the conversation I told him I was not ready at this time and as I had mention was only researching. Call was disconnected - of course they called me almost 2-3 x a week all day long.
I finally made a decision to refinance early this month and is going thru my current mortgage. This is when I found out about the Loan Depot inquiry did indeed show up. I contacted Credco who said I had to contact Loan Depot who I talked to a representative and a supervisor. Who both stated they have never heard of Loan Depot doing soft inquiry. I asked them both to pull the call but to no avail. I know this is a small thing - its just the principal. I have written to the BBB and currently looking for some corporate emails to contact them. Thank you for allowing me to vent.