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01-01-2022 11:09 AM
Maybe I'm wrong about this bt I always thought that in order for a Company to do a Credit Check they would need your SS#.
There are so many people with the same name, so how can they tell which is the correct one?
@Carmie, looking to you for an answer lol
Happy new Year.
01-01-2022 12:06 PM - edited 01-01-2022 12:08 PM
@Sage04 I thought about that too. Great minds think alike.
i think that if you have a credit card, the credit card company has your SS on file and can check on your credit history at will. They would have your permission on file from when you first applied for credit. The Retailer can't check your credit report, but the bank that issued the credit card can.
Happy New Year to you as well.
01-01-2022 12:39 PM
@Carmie wrote:@Sage04 I thought about that too. Great minds think alike.
i think that if you have a credit card, the credit card company has your SS on file and can check on your credit history at will. They would have your permission on file from when you first applied for credit. The Retailer can't check your credit report, but the bank that issued the credit card can.
Happy New Year to you as well.
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That makes sense. So as long as you have a Credit Card on file with the Retailer they can do it.
I always use a Debit Card and I know the Bank has my information but I've never had this happen. Don't know if there is a difference in the Card used.
01-01-2022 01:53 PM
This has happened to me with ShopHQ but I do have their cc. What gets me mad is that I pay it off every month. I did reach out to them about it and they said that is their practice. I no longer use their VP and rarely shop with them.
01-01-2022 03:02 PM
@Pecky wrote:This has happened to me with ShopHQ but I do have their cc. What gets me mad is that I pay it off every month. I did reach out to them about it and they said that is their practice. I no longer use their VP and rarely shop with them.
@Pecky that is so strange. I didn't expect them to do the same with their CC.
01-01-2022 06:40 PM
01-01-2022 09:00 PM
01-02-2022 01:45 PM
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