Breaking up isn't hard to do, an AT&T wireless customer learned. It's getting back together that's the trick.
And when you know you're right and the company's wrong, it doesn't hurt to stick to your guns.
Kate Anger, 49, has been an AT&T wireless customer for more than 15 years. As her family has grown, so has her relationship with the company. There are now five phone lines on her AT&T family plan.
The UC Riverside lecturer is also an AT&T broadband Internet customer. She is, in other words, well known to the telecom giant.
Four years ago, Anger shifted her own wireless line to the real estate company where she worked at the time. Her employer had offered to cover her cellphone costs. All other aspects of Anger's relationship with AT&T remained unchanged.
She recently left the real estate firm and contacted AT&T to say she wanted to return her wireless line to the family plan.
No problem, a service rep told her. All Anger needed to do was authorize AT&T to perform a credit check.
That's where she dug in her heels.
First, she wondered, would a credit check mess with her credit score? Second, what's the point? Hadn't AT&T already given her a clean bill of credit health when she signed on with the company?
"I know this is probably dumb," Anger told me. "But why should I authorize another credit check when I'm already a customer?
"All I want is to transfer a line back to an account that already exists so they can get more money from me," she said. "I shouldn't have to let them do a credit check for that."
I admire consumers who stand tall in the face of what they see as unreasonable corporate demands. Most of us would probably cave in a situation like this and say, "Fine, do the darn credit check."
Anger (it's pronounced French-style — "ahn-JAY") chose to draw the line. And she may have been wise to do so.
"It's entirely reasonable for a consumer not to give in to the overuse of credit checks," said Joe Ridout, manager of consumer services for the advocacy group Consumer Action. "They can be punitive to consumers."
There are two types of credit checks. There's the so-called soft pull that allows a company to simply see whether you're up to date on payments and thus worthy of possible special offers.
Then there's the hard pull, which is the closer look at your finances a lender does before extending a loan or issuing plastic.
"A hard pull can lower your credit score by a few points," Ridout said. "If you get too many of them, it can be the difference between getting a favorable rate and an unfavorable one."
An application for cellphone service typically involves a hard pull on your credit file.
Anger said that when she made her preference clear to AT&T's rep, he said it was an all-or-nothing deal. The "button" on his screen allowed him to proceed only if a credit check was authorized.
Anger thanked the rep for his time and went to a local AT&T store. The workers there, she said, believed no credit check was necessary to restore a line to an existing account.