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Multiple Credit Inquiries!!!

Member

Multiple Credit Inquiries!!!

I just checked my credit report and it appears that I have given permission to Credit One Bank and Capitol One Bank to check my report. 
 
I for the LIFE of me do not recall giving either bank permission to do this.  The first Credit One inquiry was on 1/12/06 and they checked on 3/30/06, 5/22/06, 10/26/06, 5/30/07 and 7/18/07.  Capitol One has been doing inquiries on my credit since 9/18/05 and has been checking THREE times a month since then.
 
How do I get them to stop?!?  I am so confused as to what I should do.....please help.

Starting Score: 511
Current Score: 511
Goal Score: 650


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Message 1 of 8
7 REPLIES
Moderator Emeritus

Re: Multiple Credit Inquiries!!!



hillis wrote:
I just checked my credit report and it appears that I have given permission to Credit One Bank and Capitol One Bank to check my report. 
 
I for the LIFE of me do not recall giving either bank permission to do this.  The first Credit One inquiry was on 1/12/06 and they checked on 3/30/06, 5/22/06, 10/26/06, 5/30/07 and 7/18/07.  Capitol One has been doing inquiries on my credit since 9/18/05 and has been checking THREE times a month since then.
 
How do I get them to stop?!?  I am so confused as to what I should do.....please help.


Are these hard inqs or soft inqs?
Message 2 of 8
Moderator Emeritus

Re: Multiple Credit Inquiries!!!



hillis wrote:
I just checked my credit report and it appears that I have given permission to Credit One Bank and Capitol One Bank to check my report. 
 
I for the LIFE of me do not recall giving either bank permission to do this.  The first Credit One inquiry was on 1/12/06 and they checked on 3/30/06, 5/22/06, 10/26/06, 5/30/07 and 7/18/07.  Capitol One has been doing inquiries on my credit since 9/18/05 and has been checking THREE times a month since then.
 
How do I get them to stop?!?  I am so confused as to what I should do.....please help.


Cap1 is known to do soft pulls all the time.
Message 3 of 8
Member

Re: Multiple Credit Inquiries!!!

I believe they are soft inqs, on my experian report it says requests viewed only by me.  But how can they still do this? 

Starting Score: 511
Current Score: 511
Goal Score: 650


Take the myFICO Fitness Challenge
Message 4 of 8
Established Contributor

Re: Multiple Credit Inquiries!!!

Those are softs. They don't hurt you any. Most likely creditors are viewing your report to see if you qualify for any of their products.
Message 5 of 8
New Contributor

Re: Multiple Credit Inquiries!!!

Don't worry about them. Soft inqs don't hurt your score.
Message 6 of 8
Moderator Emeritus

Re: Multiple Credit Inquiries!!!

I agree with the others!
Message 7 of 8
Member

Re: Multiple Credit Inquiries!!!

THANK YOU!! THANK YOU!! THANK YOU!!'
 
I won't worry about it.

Starting Score: 511
Current Score: 511
Goal Score: 650


Take the myFICO Fitness Challenge
Message 8 of 8