"File blocked for promotional..." - Credit Repair Forum from Creditnet
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  1. #1
    catnap1972 is offline Senior Member
    Join Date
    Oct 2002
    Posts
    310
    I just ordered my EQ FICO score/report and there's a "FILE BLOCKED FOR PROMOTIONAL PURPOSES" under the "additional information" part. Is there some significance to this or is it normal?

    And what the heck is "Bell Atlantic" doing snooping through my file (it's only a "PRM" but strange since they don't even offer service in this area)???

  2.  
  3. #2
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
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    20,468

    Re: "File blocked for promotional..."

    Originally posted by catnap1972
    I just ordered my EQ FICO score/report and there's a "FILE BLOCKED FOR PROMOTIONAL PURPOSES" under the "additional information" part. Is there some significance to this or is it normal?

    And what the heck is "Bell Atlantic" doing snooping through my file (since they don't even offer service in this area)???
    You must have signed up for the OPT-OUT...(SOMETHING I WOULD NEVER DO EVEN IF I GOT PAID $1,000 TO DO IT)...but that's me...

    PRM, AR, AM all help with BUMPAGE...

    Also if you get an offer...90% or more of the time they are better offers than you can normally get!!!

  4. #3
    SilentBob is offline Senior Member
    Join Date
    Sep 2002
    Posts
    170

    Re: "File blocked for promotional..."

    Originally posted by GEORGE

    You must have signed up for the OPT-OUT...(SOMETHING I WOULD NEVER DO EVEN IF I GOT PAID $1,000 TO DO IT)...but that's me...


    Why?
    Every passing moment is a chance to turn it all around.

    EQ 608
    Exp 561
    Faco 501

  5. #4
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
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    20,468

    Re: "File blocked for promotional..."

    Originally posted by SilentBob



    Why?
    WHY????

    Huhhhhh???


    WHAT????

  6. #5
    Hope is offline Senior Member
    Join Date
    May 2001
    Posts
    942

    Re: "File blocked for promotional..."

    Yeah, you must have checked the box where the fine print says something like "if you don't want us to share your personal information, yadda, yadda..."

    But it can help or hinder to do so.

    1) For instance, in my and hubby's case, we didn't want potential creditors getting/storing snapshots of our credit while the balances were high (it's been proven here that they can and do this!!), and we were paying down debt and while I get some derogs off mine.

    So when we finally apply for new high CL cards later, the new creditor will only have the current report to go and not be able to compare it some older report.

    2) On the other hand, my son intentionally NOT blocked his because he's building credit, and wants to received preapprovals.
    Hope
    ____________________________________
    In God we trust... All others pay cash.

  7. #6
    SilentBob is offline Senior Member
    Join Date
    Sep 2002
    Posts
    170

    Re: "File blocked for promotional..."

    Originally posted by GEORGE

    WHY????

    Huhhhhh???


    WHAT????
    Opps Sorry ,should have been more clear . I was asking for you wouldn't block your report from promo's?
    Every passing moment is a chance to turn it all around.

    EQ 608
    Exp 561
    Faco 501

  8. #7
    dep_tx is offline Senior Member
    Join Date
    Jul 2002
    Posts
    490

    Re: "File blocked for promotional..."

    Does anyone know how to get the block removed?
    Would you like a free iPod, check out my home page.

  9. #8
    tracyb0313 is offline Senior Member
    Join Date
    Jun 2002
    Posts
    1,318

    Re: "File blocked for promotional..."

    I opted out 8 months ago, and got 2 offers in the mail today. Discover (funny, they denied me in May) and a Platinum One, 0% til Oct. 2003. I wanted to fill it out, but I just got a few cards. Need to wait awhile (which is why I opted out in the first place, no willpower!)
    Tracy

    EQ 679 in July, 723 8/24 762 in Dec.
    TU Fakko 636 in June, 800 in Dec.
    EX 652 in July, 703 8/24

  10. #9
    PsychDoc is offline Senior Member
    Join Date
    Jun 2001
    Posts
    3,108

    Re: "File blocked for promotional..

    Bob, unlike George, I heartily recommend opting-out. I am quite happy to have the "file blocked for promotional purposes" on my reports. Here are my reasons:

    1) There is some anecdotal evidence (the operant word here is ANECDOTAL... not scientific, so please nobody ask for proof, lol) that certain PRM inquiries do indeed detract from your credit scores -- especially with Trans Union whose reports hint at that possibility. Search the board, and note especially Marie's investigations and commentaries regarding this possibility.

    2) I'm not too happy with the idea that the credit bureaus sell my information to anybody who wants to buy it. With a promotional block, the likelihood that this will occur is lessened. (You can see that my trust level vis-a-vis CRAs isn't very high, lol.)

    3) I personally hate junk mail. I don't want to receive tons of offers from Citi Financial Equity Loans, etc. Such offers waste my time. Others like such mail. Your mileage will certainly vary, and to each his own. In any event, my first two reasons are the real factors which led me to opt-out.

    As for why George answered you back with "WHY?"... this is my hypothesis, and if I'm wrong I certainly hope George will say so. My hunch is that George understood full well what you were asking. His one-word response was really his shorthand for saying this: "Gee, Bob, how could you be so stupid as to ask why? Any thinking individual already knows the answer. The reason is because we love receiving promotional offers, and blocking the reports will lessen the number of those you receive. My gosh, I'm still shocked that you would ask such a dumb question." Needless to say, I don't share George's reasoning, rationale, or modus operandi for answering questions from newcomers. Again, if I've misread George, I'm sure he'll say so. Right, George?

    Doc

    P.S. Tracy, not all offers that arrive in the mail are tied to a PRM inquiry. I still receive a few interesting offers every month as well.

  11. #10
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Re: "File blocked for promotional..

    Originally posted by PsychDoc
    Bob, unlike George, I heartily recommend opting-out. I am quite happy to have the "file blocked for promotional purposes" on my reports. Here are my reasons:

    1) There is some anecdotal evidence (the operant word here is ANECDOTAL... not scientific, so please nobody ask for proof, lol) that certain PRM inquiries do indeed detract from your credit scores -- especially with Trans Union whose reports hint at that possibility. Search the board, and note especially Marie's investigations and commentaries regarding this possibility.

    2) I'm not too happy with the idea that the credit bureaus sell my information to anybody who wants to buy it. With a promotional block, the likelihood that this will occur is lessened. (You can see that my trust level vis-a-vis CRAs isn't very high, lol.)

    3) I personally hate junk mail. I don't want to receive tons of offers from Citi Financial Equity Loans, etc. Such offers waste my time. Others like such mail. Your mileage will certainly vary, and to each his own. In any event, my first two reasons are the real factors which led me to opt-out.

    As for why George answered you back with "WHY?"... this is my hypothesis, and if I'm wrong I certainly hope George will say so. My hunch is that George understood full well what you were asking. His one-word response was really his shorthand for saying this: "Gee, Bob, how could you be so stupid as to ask why? Any thinking individual already knows the answer. The reason is because we love receiving promotional offers, and blocking the reports will lessen the number of those you receive. My gosh, I'm still shocked that you would ask such a dumb question." Needless to say, I don't share George's reasoning, rationale, or modus operandi for answering questions from newcomers. Again, if I've misread George, I'm sure he'll say so. Right, George?

    Doc

    P.S. Tracy, not all offers that arrive in the mail are tied to a PRM inquiry. I still receive a few interesting offers every month as well.
    The answer was already in the statement~~~
    PRM, AR, AM all help with BUMPAGE...

    Also if you get an offer...90% or more of the time they are better offers than you can normally get!!!

    I LIKE GETTING MAIL...junk or other-wise.

    :)

    We have one of those "CUBBY-HOLE" mail boxes 2 for the whole street and I have to walk 6 houses to get then mail...RAIN, SLEET, SNOW, 95 DEGREES, BLIZZARD...if I only get some junk mail it was worth it going (if I get NO mail at all...I'M REALLY TICKED OFF)!!!

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