Excessive Credit Check from Comcast
"In general, it is unusual for a credit check to occur when you are terminating a contract, since you are no longer requesting credit. If the credit check was a ""hard pull"" it will stay on your credit report for 2 years, but will only have an impact on your credit score for up to 12 months. If the check is a ""soft pull"" it has no impact on your credit score. Since you're past the 12 months boundary anyway, I wouldn't worry about it.  That being said, please feel free to continue your investigation and report back if you can get Comcast to admit they performed the 2nd credit check. I'm sure we'd all be interested to hear their explanation for it."
I have comcast and hate their guts. From the time they bought the local cable system a couple of years ago they have raised prices at least 10% a year and at the same time cut 2-4 channels every year. Now they want customers to get a bunch of new equipment, which they claim is free, like the cable modem was free until one month they started charging extra for it every month. I'm not paying any more for their crap.   I've let go of everything but the local channels and tomorrow or the next day it will take MORE equipment to even get those. But I've ordered the equipment necessary to get channels off the air.   Then once they start messing with my internet I'll try AT&amp;T and satellite internet or even go back to dialup.   Cause I'm not paying MORE for less, not paying MORE for crap. Hell, half of what you pay is for sports and I never watch sports.   I felt sorry when so many good newspapers started going under. But I feel no sympathy at all for comcast. They are like the Bank of America of cable TV. When they die people will cheer.   TV is run by greedy people. I remember when cable started. There were no ads. They made their money from cable subscriptions. Then they decided they wanted MORE money than that and added ads. They can make plenty of money without ads. But there is no end to their greed. So screw them. The mortgage I got last year through Wells Fargo explicitly indicates in its terms that excess payment will be considered against future payments (i.e., pay $500 extra in January and you owe $500 less in February) unless indicated otherwise. It goes on to state that with electronic payments you do not get to specify where excess payment goes, so excess payment made electronically always goes toward future payments. If you want to make excess payments toward principal, you must actually send them a check and your payment stub, with the appropriate box ticked.  This won't be very different for other major banks, I wouldn't imagine. &gt; Netflix should start laying down infrastructure for their own internet  They could do that.  But it isn't their wheelhouse, any more than Walmart lays down their own freeway system.    &gt; If Comcast wants my steaming business offer a better service than Netflix.   Sure.  In the meantime, I don't see why Comcast must allow Netflix to use its fixed infrastructure.  &gt;You're right it is all business. Which is why we have a government and government regulations  That isn't *quite* how government regulation works.  &gt;The FCC is the government and should be protecting the citizens not the corporations.  Protecting the citizens from whom?  I mean, I can see that you want free shit, but - as you mentioned - *this is business.* My reason for not using direct debit is #4 on Dheer's list. I just don't know where exactly I'm going to have what balance on what day, because I usually don't leave more than $100-$200 on my checking, all my cash is in Savings. I also don't want to direct debit from Savings in order to not break the 6-withdrawals limit accidentally. I use direct debit to my credit card where its available, but most places charge for that and I don't want to pay the extra fee. So, I prefer to pay my bills manually. What I don't understand is the people who pay the credit card bills when the statement arrives. I haven't received a credit card statement in years. Don't they have on-line access? Can't they set reminders there? If so - throw the card away, and get a normal one. Same with mailing checks, by the way. I'm still not even half done with the free checks I got from Washington Mutual 5 years ago. I almost never write checks. All the bills are paid online, whether through bill-pay service or an ACH transfer. With new credit scores tend to be very volatile. It could be something as small as carrying a higher balance or credit inquiries.  Like I mentioned, check Credit Karma to confirm nothing has changed. Also, see your inquiries. That may have impacted your score Ok, so as a result of the Equifax breach I placed a credit freeze on all my accounts. Just to verify my understanding, if in the future I want to apply for a home loan, open a new bank account, etc... I need to individually unfreeze my accounts with each of the credit companies right? (e.g. I can't just unfreeze one, I have to unfreeze them all) "I manage a bunch of rental cabins in a rural area that only has access to phone and internet with CenturyLink.  We have 16 accounts with them.  They are, by significant measure, one of the worst companies I've ever dealt with (worse than Comcast).  I've long wondered how long it would take for the rest of the country to figure this out since Comcast and TWC tend to get all the anger.  CenturyLink is far worse.  Sheer management-level incompetence where it takes 10-15 minutes to find an account in 4 or 5 different CRM systems, passed back and forth between different parts of the globe.  Zero remorse for missing appointments and, apparently, no ability to record that appointments were missed and fix/make up for it.  I could go on and on.  Do everything you can to steer clear of CenturyLink.  PS.  And yes, the phantom ""what the fuck is that!!"" charge suddenly showing up on your account has happened to us too.  PPS. Another awesome thing - the DSL packages they sell in rural areas that flatly do. not. work.  Rebooting routers a dozen times per day.  Speeds (when working) of .3 or .4 mbps.  Half of the internet accounts we pay for are worthless." This is business as usual, except that you need to keep in mind that the corporate entity is separate from the individual. As such - all the background checks and references should be with regards to the actual renter - the corporation. You should be cautious as it is not so easy to dissolve an individual (well... Not as easy, and certainly not as legal), as it is to dissolve the corporation. So you may end up with a tenant who doesn't pay and doesn't have to pay because the actual renter, the corporation, no longer exists. So check the corporation background - age, credit worthiness, tax returns/business activity, judgements against, etc etc, as you would do for an individual.