I noticed this morning on my EQ report that Capitol One did two AR inquiries. One on 1/29 and the other on 1/30. Funny thing, I closed all of my accounts with them in December, and have a promotional block on all my credit reports.
When you closed them, did you pay them off? If you have no balance, and you closed them (not just paid off), then they have no permissable purpose to pull your report.
That is what I thought. I always have a cc paid in full before I close. I think that I will let these two slide, but if they do it again, we are gonna have a fight. I do not want anything to do with that pond scum anymore
I would call them and ask them for a letter (for your records) verifying that you have closed the account. Then, if they pull your report again, its a slam dunk.
I know when I called to close out my account with Capital One (I had two accounts with them) they said it was done but they kept reporting it as "Open" so I called back again, they said it wasn't done correctly and it was now done correctly...well 3 months later it still reported as "Open".....I had NO balance on it either.....so I wrote them a letter certified return receipt and it was FINALLY reported as closed and I in turn received a letter stating it had been closed. It took me a good 8 months to get them to close the freakin account out! And still to this day I keep getting statements for that closed account stating ...credit limit 2200.00....payment due 0...credit available 2200.00....but my credit reports all say it's "closed at consumers request" I would make sure it's stating closed per your request.... Also, AR inquiries don't hurt your scores anyways.
I agree that the AR scores dont hurt the credit, but it is the principal with me. They no longer have any need to be looking at my reports. They had enough time when I had their accounts.
