Opt-Out Questions

Discussion in 'Credit Talk' started by Dustin, Apr 5, 2001.

  1. Dustin

    Dustin Well-Known Member

    Should I send an Opt-Out letter to the CRA's. I am trying to keep all my inquiries down to ZERO, and want to make sure companies don't pull my report without my permission.
    Do the "pre-approved" offers and such do a hard-inquiry that everyone sees?

    Or should I just leave it be??


    GEORGE Well-Known Member

    PRE-APPROVED must be soft (PRM), but if you accept them they will pull another report that is "HARD".
  3. Dustin

    Dustin Well-Known Member

    Cool. So I will leave it alone and not worry about it. My Equifax has 14 inq. in 2 years, 9 in 1 year, and 4 in 6 months. I need to get those to 0, among other things!

    Is there any way to make it so that collection agencies can't pull my report?

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