{"id":2833,"date":"2022-08-24T10:52:54","date_gmt":"2022-08-24T14:52:54","guid":{"rendered":"https:\/\/www.consumerslaw.com\/blog\/?p=2833"},"modified":"2022-08-24T10:52:54","modified_gmt":"2022-08-24T14:52:54","slug":"who-is-titan-solar","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/who-is-titan-solar\/","title":{"rendered":"Who is Titan Solar?"},"content":{"rendered":"

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Titan Solar is a door-to-door sale company that sells and installs solar products\u00a0like rooftop solar panel systems.\u00a0 Titan Solar teams up with finance companies like Goodleap to finance the installation through loans and power purchase agreements.<\/p>\n

Common Complaints about Titan Solar<\/strong><\/h3>\n

\"\"In online complaints, Titan Solar has been accused of engaging in predatory marketing and of misrepresenting facts.\u00a0 Sometimes, Titan Solar is accused of not informing the customer that installation is conditioned upon agreeing to a decades-long loan or power purchase agreement, and the contract might be hidden from the consumer.\u00a0 Titan Solar\u2019s finance company partner may also pull your credit report<\/a> <\/span>without your permission.<\/p>\n

Impermissible Credit Pull<\/strong><\/h3>\n

Doesn’t a company need your consent to pull your credit report?<\/em><\/strong>
\nGenerally, yes.\u00a0 If you did not consent to your credit being pulled, the company that did so must have \"\"some other legitimate business purpose for pulling your credit.\u00a0 Often, during the process of applying for new credit or utilities, or interviewing with a prospective employer or landlord, there may be a request to access the consumer\u2019s credit file. The consumer must provide written permission for his or her credit file to be accessed.<\/p>\n

Consumer Rights for Impermissible Credit Pull<\/strong>
\nWhen a credit report has been accessed without the consumer\u2019s permission, there may have been a violation to the Fair Credit Reporting Act<\/strong><\/a><\/span>.\u00a0 The FCRA is a federal law governing how consumer credit information can be used and distributed.\u00a0 Consumers may dispute inaccurate information and inquire about companies who accessed their credit file that they do not recognize.<\/p>\n

Check your Credit and Dispute Errors<\/strong>
\nBefore applying for new credit, consumers should obtain current copies of their reports<\/strong><\/span><\/a> from the three main bureaus \u2013 Transunion, Experian and Equifax. The reports should be viewed for accuracy and privacy.\u00a0 If errors or unfamiliar information is listed, written disputes<\/strong><\/span><\/a> should be sent to the credit bureau through the US Mail.\u00a0 The bureaus have 30 days to respond.<\/p>\n

Disadvantage of Hard Pulls on Credit Report<\/strong><\/h3>\n

If there was a \u201chard pull<\/strong><\/a><\/span>\u201d of your credit report, it could harm your credit standing going forward. Hard pulls will stay on your credit file for two years, and as a result over that time period, you might lose out on other job, housing, or credit opportunities.<\/p>\n

\"\"Lenders evaluate the number of hard inquiries that appear on a consumer\u2019s credit reports during the credit application review process. Although hard inquiries represent one factor in the calculation of credit scores, too many hard inquiries in a short time could impact scores negatively and jeopardize the approval of a new credit application.<\/p>\n

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Better Business Bureau Complaints about Titan Solar<\/h3>\n

Hundreds of consumers have complained about Titan Solar\u2019s business practices to the Better Business Bureau. As of the date of this writing, customers on the Better Business Bureau site have rated Titan Solar 1.87 stars out of five. Some consumers have made the following types of complaints:<\/p>\n