what do I do??
2007-11-30 11:19:45 · 5 answers · asked by Susan H 1 in Business & Finance ➔ Credit
If they are listed in the soft inquiry section (only seen by you) then they are promotional inquiries.
The CRA's sell your information to other companies. Those companies pull softs to see if you fit their critera and then send you junk mail.
You can do as the first poster mentioned and opt out if you choose. Google "FTC opt out" and you will find the info to opt out.
If they are in the hard inquiry section and they are made by creditors or collectors that you "do not" have accounts with, there could be a chance of ID theft.
If that is the case file a police report for ID theft. Then send, to the CRA's, a copy of the report along with a request to place a fraud alert on your credit reports. Also dispute the inquiries and request they are removed.
2007-11-30 12:06:07 · answer #1 · answered by echo 7 · 2⤊ 0⤋
If these are hard inquiries, you may have the right to sue them for a few thousand dollars. I recommend researching at www.myfico.com community forums as some of the members there have had similar experiences.
Hard inquiries are the ones that are for when you are applying for credit.
If they're just soft pulls that haven't lowered your credit score from companies seeing if you'd be a good borrower, it doesn't affect you.
2007-11-30 11:28:48 · answer #2 · answered by fabled.life 2 · 1⤊ 0⤋
They may be routine scans for unsolicited offers by credit card companies. You can opt out of these if you so choose.
2007-11-30 11:25:36 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Engineer is correct, you can opt out by going to the source below.
If you do it online it is good for 5 years, if you mail it in you can make it permanent.
2007-11-30 11:28:38 · answer #4 · answered by huh? 4 · 0⤊ 0⤋
call them
2007-11-30 11:26:53 · answer #5 · answered by actiondan564 1 · 0⤊ 0⤋