Random credit inquiry?

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I'm a Participant Level 3 plstellmewhy
I'm a Participant Level 3

Random credit inquiry?

Hi, so I checked my credit score today, and found out my score was lowered because Fido decided to do a random inquiry. I've been with Fido for a very long time (8+ years?), so I am very confused as to why I got hit by this. Can someone help please? Thanks.

 

 

Accepted Solution

Re: Random credit inquiry?

Hey @plstellmewhy and welcome to the Community.

 

This doesn't sound right.


Credit evaluations are done when:

 

- A new customer activates an account

- An existing customer whose previous credit result expired :

  • Activates a new line on an existing account.
  • Activates a new account

Is there any of those that was done on your end recently for your account?

 

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Solution

Re: Random credit inquiry?

Hey @plstellmewhy and welcome to the Community.

 

This doesn't sound right.


Credit evaluations are done when:

 

- A new customer activates an account

- An existing customer whose previous credit result expired :

  • Activates a new line on an existing account.
  • Activates a new account

Is there any of those that was done on your end recently for your account?

 



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I'm a Participant Level 3 plstellmewhy
I'm a Participant Level 3

Re: Random credit inquiry?

Hi, thanks for the quick reply. None of those things have happened. I did not open anything or change anything on my account.

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Re: Random credit inquiry?

Thanks for letting us know @plstellmewhy.  

 

The following info is also reported to the credit bureau:  

 

-Activation, cancellation and last delinquency dates

-Bankruptcy and Credit Counselling Cancellation reason (voluntary or involuntary, fraud, activated in error, buyer’s remorse, under dispute)

-Identification (ID) information (name, address, SIN, date of birth, home phone number)

-Outstanding balance

-Payment

-Write-off and agency assignment

 

If you don't fall under any of those scenarios, let us know and we'll send you a PM to take a closer look at your account Smiley



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I'm a Participant Level 3 plstellmewhy
I'm a Participant Level 3

Re: Random credit inquiry?

Hi, thanks for replying. I'd like a pm please because nothing has happened at all. The only significant thing is that I went over my data, but that has happened before with no inquiry. Thanks again for the quick responses.

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Re: Random credit inquiry?

@pistellmewhy

 

I'm sending you a PM to get this looked into.


Talk to you soon !!

 

 



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I'm a Participant Level 3 bas123
I'm a Participant Level 3

Re: Random credit inquiry?

Hello,

 

I had a credit check from Fido Solutions 6 weeks after my internet account was opened. Is this normal? If not, who should I contact?

 

Anna

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Moderator (inactive) FidoRanya
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Re: Random credit inquiry?

Hey @bas123 ,

 

Welcome to the Community!

 

Did you request to have any services added to your account which would have required a credit inquiry?

 

Overall, are there 2 credit inquiries from Fido or only one?

 

Let us know!



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I'm a Participant Level 3 bas123
I'm a Participant Level 3

Re: Random credit inquiry?

I haven't added any new services. So far I see only 1 inquiry on october 19th

 

Anna

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Moderator (inactive) FidoRanya
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Re: Random credit inquiry?

If there's only one inquiry it's the initial one we made to open the account, does that add up on your end @bas123 ?



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I'm a Participant Level 3 bas123
I'm a Participant Level 3

Re: Random credit inquiry?

Well, I'm not sure how accurate these credit reports are, maybe the first one was not reported. I'm worried that it was done 6 weeks after the account was opened, and there is no way for me to check if it is the same one, or someone else opened a different account with my name or SIN.

 

Anna

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Moderator (inactive) FidoRanya
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Re: Random credit inquiry?

If only one inquiry shows then it would make sense that it's the original one we made for the account. I understand that you're preoccupied so no worries, we're here to help with that!

 

Is there any account number or information that it attached to the inquiry @bas123 ?



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I'm a Participant Level 3 bas123
I'm a Participant Level 3

Re: Random credit inquiry?

No, no information other than "Fido solutions".

 

Anna

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Re: Random credit inquiry?

Hey @bas123 

 

"Fido solutions" is definitely from us.

 

If anything, you can contact our Credit Operations department for more info

 

Their number is : 1-888-288-2106 

 

You can also reach them on the Live Chat on Fido.ca during business hours Smiley



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I'm a Participant Level 1 hvp9111
I'm a Participant Level 1

Re: Random credit inquiry?

Hi,

 

 I checked my credit score last week and found it was lowered by 100 points. When i checked, FIDO made couple of credit checks and now they added pending charges for $266 under my name. I had discontinued FIDO service since 2016 and now they opened some account in last year in 2018.

What is going on FIDO people? Just screwing up my credit score ?

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