As above, is it possible for me to block anyone from just pulling my credit. I have so many pulls in the past two years its ridiculous.
The only pulls that count against your score are those that you authorise when you apply for credit, and those that collection agencies pull when they buy your account to collect. Most of what you see on your reports are Account Reviews (AR) or Promotional pulls (PRM - for marketing purposes).You can opt out of having your information sold to companies for marketing purposes.
Yeah, opting out with the CRA is a start (for the soft pulls) and I'd be curious to know what a fraud alert would do. I've not done so personally, but understand that this requires an additional level of contact with you personally. This could slow down the number of pulls. And... as is obvious if you don't apply for credit, that eliminates pulls too.
A fraud alert *DOESN'T* require any additional effort to contact you personally, or anything on the part of the puller. It is nothing more than a *COMMENT* to please, pretty please, contact me personally before opening an account in my name, because I may have been the victim of identity theft, or fraudulent accounts being opened in my name. There are a number of alternatives that the company could decide to do, for instance, I had one company which normally pulls 1 inq pull 3 (a 2nd one on an anti-fraud report at the same CRA, and a secondary CRA which apparently only reports fraud account reports).
Most of those pulls are probably soft, they have no bearance on your score. Only hard inquiries count,but of course it is annoying http://www.bad-credit-advisor.com/inquiries.html bad credit repair credit counseling Bad-Credit-Advisor.com
