100 proof is good but so is 101 proof. All the stronger. To tip the 100 post scale is beatiful. To post 101 is divine. Count me in to, I have all kinds of fun inquiry stuff to share, I wouldnt know where to start.
Discover sold my account to Gulf State back in 1997 and yet Discover has 16 account review inquiries, listed on my Trans Union report, from 11/99 to 3/01. Do they still have a permissible purpose when they no longer own the account?? Would appreciate a suggested course of action.
Linda, an AR is a "soft" inquiry that is only viewable to you (supposedly). This does not hurt your score. You may be able to call them and "opt out" of future reviews if you don't like them.
My understanding is you can opt out of promotional reviews. But that's not what I'm referring to. I'm talking about account reviews. Yes, I realize they're both soft inquires but what about my privacy? I mean, how can Discover justify "reviewing" an account that they no longer even own? For what legitimate business purpose?
Actually I do agree w/you. I'd raise HELL with them. WHO is looking at your credit that often??? Regardless of FICO issues, there are privacy issues here. Can you say ID fraud??? They have no right to be in your report. Call and find out what's going on. Followup w/a letter. GET your info OUT of the system. If they don't know why/how it's being pulled, then maybe someone is playing in your file. And that's honestly very dangerous. IF you get no satisfaction. SUE them. I am really beginning to believe that this is the only way to make CRAS and creditors sit up and take notice of us. HEy, just a thought. If you inform the CRAs that Discover has no purpose... can they block them??? Could the CRA then be liable for a potential negligent enablement / dissemination of your identity if you ever have an ID issue???
Re: Insurance and credit The SOB's at AAA of Michigan did the SAME thing to me. I ARGUED with the guy on the phone, and he all but guaranteed me that it would be a 'soft' inquiry. Low and behold, I got a copy of my Experian a couple weeks later and - BAMM - a nice hard inquiry from AAA for an auto/homeowers insurance QUOTE. Jerks ...
Re: Insurance and credit GEORGE, the Fair Credit Reporting Act gives "permissible purposes." Was their inquiry any of those?
