pinkeysas Posted April 14, 2007 Report Share Posted April 14, 2007 Calvary portfolio svcs. (a collection agency i "owe") has inquiries listed on my reports once sometimes twice a month for the past 2 years. Is that legal??? what if anything can i do to stop them?Well I guess the better question is. What inquiries should i be concerning myself with?Regular Inquiries, promotional inquiries or accoutn review inquireis?Do they all negativly affect your score? Link to comment Share on other sites More sharing options...
JessFolk Posted April 14, 2007 Report Share Posted April 14, 2007 This could be considered poisoning your credit reports, if its a hard inquiry. Have you tried dving them? Link to comment Share on other sites More sharing options...
rmuse00 Posted April 15, 2007 Report Share Posted April 15, 2007 Hard pulls are the only ones that will affect your score. The others, soft pulls are used for AR and promotional purposes. These do not affect your score. Are they reporting on your CR? Have you in the past 2 yrs received any communication from them? Link to comment Share on other sites More sharing options...
pinkeysas Posted April 16, 2007 Author Report Share Posted April 16, 2007 They are reporting on my CR under Account Review Inquireis.They along with a few other CA that are listed under Account Review Inquireis have NOT contacted me within the last 2 years. Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 16, 2007 Report Share Posted April 16, 2007 I don't think they are hard pulls. Link to comment Share on other sites More sharing options...
pinkeysas Posted April 16, 2007 Author Report Share Posted April 16, 2007 No i dont think they are now that i've read the fine print. It states that Account Review inquireies and Promotional Inquiries are seen only by you and do NOT affect your score.This raises another question though. I thought Promotional Inquiries DID hurt your score. That is why i called the OPT OUT number to have my name taken off of the list for receiveing Promotional Inquiries. Link to comment Share on other sites More sharing options...
momof5 Posted April 16, 2007 Report Share Posted April 16, 2007 Theirs is not a promotional inquiry. Theirs is an account review...they are actually waiting to see you improve your financial picture so they can come at ya later.Is the debt they are collecting for out of statute? Link to comment Share on other sites More sharing options...
pinkeysas Posted April 16, 2007 Author Report Share Posted April 16, 2007 i know that the CA's are not promotional Inquiries but the fine print under promotional Inquiries states:Promotional Inquiries are seen only by you and do NOT affect your score.So why did i choose to OPT OUT if it doesnt affect my score???As far as the CA's pulling inquiries on my reports. Calvary Portfolio (the CA that pulled one every month for the past 2 years) has been paid off, and actually has not pulled since i paid them.The other CA's pulling are within the SOL in my state (WI) but have not been calling or contacting me at all.they are actually waiting to see you improve your financial picture so they can come at ya later.So if i am going to get pre-approved (hopefully) for a mortgage tomorrow this will be a sign to these CA's that my financial situation is improving hey?? Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 17, 2007 Report Share Posted April 17, 2007 I personally opted out because there were so many accounts I didn't recognize on my credit report that I didn't want promotional offers being sent to addresses I didn't live at anymore. I've moved pretty much every year since I was 18. Link to comment Share on other sites More sharing options...
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