I found out BankOne pulled soft inquiry from Experian after they closed all my credit card accounts last month. I don't know why they still pull credit report after they closed my account. What's the purpose of pulling soft inquiry? reinstate? extended? renew the card??? I don't think so. Ron.
I HOPE THEY ARE PAID OFF!!! There is a CLOSED PENALTY RATE NOW (or will be soon)...something like 22% or 24% F.Y.I.---FLEET HAS THAT TOO (they were the only one)
George, I already paid it off all my credit cards accounts after they closed my accounts. There is no business to review my accounts by pulling credit reports. By the way, I owe them less than $100 NOT $1000. I don't want to ask for reinstate or reopen any of the account. Ron.
A similiar thing happened to me when I closed my account with Providian. They pulled a soft inquiry 3 months later and I also received a covenience check in the mail! Had BankOne been monitoring your credit file on a regular basis? I noticed they pulled a soft inquiry yesterday on my Experian credit file for the first time since I received the credit card in 2000. On my report, the creditor was listed as FirstUSA.
Re: Re: Soft Inquiry from BankOne!!!!!!!!!! Peachkiwi, Yes, they do. They pulled soft inquiry two weeks after they closed all credit card accounts. They hav e no business to pull spft inquiry since they closed the accounts. On my report, the creditor is First USA P.O. Box 8560 Wilmingotn Delaware. Ron.
Re: Re: Soft Inquiry from BankOne!!!!!!!!!! An account must be both closed AND paid for the OC to have no pp. If you owe the OC any money you still have an existing credit obligation and therefore pp to do an account review.
