I see these lease shops going for huge bonuses and I want them ALL! I do know that they have to run my credit and I am worried that this is hurting my credit score. Is this considered a "hard" or "soft" check, and would anyone do more than one of these at this risk of lowering their really good credit score?
Here's how I got around the credit check that an AT and T cellphone store wanted to run on me. I gave the salesperson an incredulous stare and I said slightly loudly - without crossing the line - "Is this how little basic human dignity means to the AT and T brand? You won't even tell me about these smartphones so I can make a decision if I even want to sign up for AT and T before you run a credit check? Is not my human dignity worth an informed decision to the AT and T brand?" Then I started slowly walking away to the register - as if I were looking for a supervisor without verbally bringing it up - and the salesperson followed me and told me what I needed to know to complete the shop. Something I have learned - when a salesperson is not being cooperative, throwing the world "brand" around with a wide eyed stare and tying it into "human dignity" (something that is seriously missing in most workplaces) can get you incredible results. The first time I did this I worried a little that I was coming off insane or at least over the top - but since it got me results, I've used it since and it's not 100% but it's helped me to save some shops.@SunnyDays2 wrote:
My "credit check" is still on my credit report, 2 years later, from doing a cell phone shop..
Never again will I allow them to run one. (my concern at the time was I would not be following the guidelines and if they wanted to run a soft check, let them. Now? NO Way!) It seems to happen quite frequently that they want to run one and some don't want to help you without the credit check.