I was looking at my credit reports and noticed some random soft inquiries that I have no idea what they are from and am getting paranoid as I have been working so hard to clean up my reports, and now Im afraid something will pop up one of these days. On my TransUnion, I see a soft inquiry from P and B Capital Group on 2/6/14 with the purpose listed as Collection.
On my Experian from last year, I see another that is unknown to me... I have one from AllianceOne Receivable from August 2013 and another pull from them in September of 2013. I have never heard from any of these that I can recall, and all my negative accounts are taken care of. My Capital One Charge off was paid to ARS National, Merrick Bank was paid to Carson/Smithfield which I believe Merrick still owned. Finally my Credit One was sold, but I am making payments to Messerli & Kramer who is collecting for MSW Capital.
I am all nervous now that something is going to surprise me and put me farther back in my rebuilding journey. I have worked hard, and am waiting for my 3 new cards to report anticipating a nice score increase, but now Im very nervous. I dont want to contact any of these and wake a sleeping giant, plus it makes me wonder why they would do a soft inquiry and not do anything else as its been over a year for each one. Any advice/reassurance/ or anything would be appreciated!
