Jason Posted July 12, 2008 Report Share Posted July 12, 2008 Opted Out about a year ago, and recently I have promotional inquiries on my TU report. Who do I complaint to? Link to comment Share on other sites More sharing options...
thegame26 Posted July 13, 2008 Report Share Posted July 13, 2008 Even when you opt out I think you still have to re-new it. I don't think its infinite. If it was more than a year ago and the inquiries are recent it may have expired. 1 Link to comment Share on other sites More sharing options...
Jason Posted July 13, 2008 Author Report Share Posted July 13, 2008 When I opted out it said for five years. I am not near the time to renew. Link to comment Share on other sites More sharing options...
willingtocope Posted July 13, 2008 Report Share Posted July 13, 2008 You'll have to read the law to be certain, but its my understanding that "opt out" only means the CRAs can't sell your info. It doesn't mean that someone with "permissable purpose" can't pull your reports. So, if someone with whom you do not currently have a credit agreement, or someone who's collecting for someone who does, or someone to whom you applied for credit pulled your reports...the send those folks a "hey, you inquired on my reports...prove to me you have permissable purpose, or remove your inquiry, or I'll sue" type letter. 1 Link to comment Share on other sites More sharing options...
cjtx Posted July 13, 2008 Report Share Posted July 13, 2008 TU just settled a big lawsuit for doing exactly this, ie., ignoring opt-out requests, so it is unlikely they continued the practice after all the trouble they had.Some companies like lending tree and some car dealers farm out your application so you may get several inquiries, which you agreed to by authorizing lending tree or the car dealer or companies like that to get you a competitive deal. 1 Link to comment Share on other sites More sharing options...
Jason Posted July 13, 2008 Author Report Share Posted July 13, 2008 I just am not sure it is only happening on TU. T-Mobile is one of them on my report. Link to comment Share on other sites More sharing options...
Boscoe Posted July 16, 2008 Report Share Posted July 16, 2008 Are you getting promo offers in the mail, or is the only evidence the soft INQ on your credit report? Link to comment Share on other sites More sharing options...
Jason Posted July 17, 2008 Author Report Share Posted July 17, 2008 Nothing in the mail. Link to comment Share on other sites More sharing options...
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