Rebuilding Your Credit

[QAMngrGirl]

The last denial I received I used to pull my free credit report (about 3 mos. ago) in addition to a monitoring service that gives discounted pulls, and I noticed the RJM Aquisitions has been soft pulling my credit, monthly, for the last year or so. I understand that this doesn't affect my score/credit, but I don't this company any money since a medical bill I PIF (not settled) in 2009 (that was never reported to begin with)  - any suggestions as to why they would be doing this??

[rootpooty]

They are just fishing around.  They did it to me for the longest time until they finally landed a bill that I owed.  The are the easiest CA ever to deal with though.  They were softing my mothers reports for the longest time and a simple phone call to them got them to stop

[FluteLadyWHS12]

How do these people get your information? I was looking at my reports and I have multiple soft pulls from agencies I had to go online to look up and see who they were. No notices from them though. Are they really looking to see if they can rustle up some debt? 

[rootpooty]

CRA's sell your info.  If you have CA's softing you they are fishing for some debt.  Typically they do it sometimes when they own the debt and check on you and if your showing activity IE improving your reports they will slap the collection on you

[snowkitty]

They have been softpulling mine too. I have never had anything with them and the last credit card I ever had until now was in 1996. On my TU, they were sp once a month......when I started getting credit cards back in August of this year, they are soft pulling me 4-5 times a month. I have no baddies on my credit....from what I read on here, they are trolling for something to put on. I wish there was a way to make them stop! I know nobody else can see it but it bothers me that they are checking my report so much for no good reason. They are actually pulling it under two different RJM names and so they are pulling it twice on the same day everytime they do it.

[Shogun]

Send them a DV if you feel you need to.  Find out what they are looking for.