promo inq (soft) from "Swiss City" --anyone heard of them?

[haulingthescoreup]

Whoa, be careful with that one! That ...LLC might be a collection agency, or an attorney linked to one.

[Anonymous]

But...but..I dont owe nobody nothing. I have only 1.8 yr credit history (heck, I've only been in US for less than 2yrs,LOL!)

[BungalowMo]

Could be from one of those Swiss Replica Watch companies that love to invade the junk folder. 

Junk mail...soft Inq....it's all the same thing 

[Anonymous]

---

@BungalowMo wrote:

Could be from one of those Swiss Replica Watch companies that love to invade the junk folder. 

Junk mail...soft Inq....it's all the same thing 

---

Yeah, she'll probably get an offer to sell her a Rolex for $29.99. 

[Mekitcat]

I had the same thing show up on mine for the same date 09/10/10 PRM-Swiss City Than it showed up again 04/26/11 but this time it showed AR-Swiss City (AR=creditor)

It occurred to me that it was "The Swiss Colony" I received a pre-approve book from them which of course I ordered from yum, yum  that was the first inq and than they bumped up my CL the 2nd inq. I hope that helps you know who it was from

[RobertEG]

Promotional offers for credit are really the only form of credit inquiry that differs in actual substance under the FCRA.

All other forms of credit inquiry, if they qualify as a "permissible pull," entitle the inquiree to a copy of your complete credit report.

Pulls based on offers for unrequested credit entitle the inquiree, under the FCRA, only to your name and address.

Thus, so-called promotional inquiries, and the promotional offers they send as a result, are not based upon review of your CR.

They call their offers "pre-approved," but that is a joke.  Approval is then contingent upon review of your application, which then gives them full CR permissible pull.

They are basically a gimmick to get your consent to pull your CR.