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I was trying to refinance my home via XXXX XXXX and XXXX XXXX. Starting near the end of XX/XX/2021. I gave them permission to pull my credit. XXXX weeks and lots of lies later when the deal fell through, they pulled it again on XX/XX/XXXX. without my permission in a desperate attempt to come up with a deal with another company. This happened after I had severed ties with XXXX XXXX and XXXX XXXX on or about XX/XX/2021
When I was notified that another hard credit pull had been done from a company I didn't recognize, I contacted XXXX, XXXX and XXXX. I discovered that the pull had been initiated by XXXX XXXX.
I tried with all three credit reporting agencies to get it removed and was informed that an 'in error ' letter had to be provided to XXXX by XXXX XXXXXXXX XXXX. Apparently XXXX XXXX acted as an agent for XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX
They have not provided me or XXXX or any of the credit reporting agencies with the requested letter.
I now have a 'to many inquiries ' designation on my report and a credit denial from XXXX for a loan I had cancelled a week prior.
XXXX XXXX repeatedly told me 'he was learning ' during the XXXX weeks we tried to do business with him.
Apparently he hadn't learned that you have to get permission for each credit pull. I did not give him permission to do another hard pull on my credit.
XXXX XXXX insists that hard credit pulls won't affect you XXXX XXXX because they're related to mortgages. XXXX XXXX insists that a 'denial ' won't affect your credit. Both do.
They will stay on my report for at least 2 years.
Happily, I have secured a mortgage through a credit union and the process went very smoothly.
Run away from these guys unless you want to become an ugly learning experience for them especially XXXX because he really is incompetent to be doing this kind of work. XXXX XXXX is basically the gangster, bargain basement, used car salesman of the lending industry..
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