topic Re: Promotional offers while opt out in General Credit Topics

Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 03:29:33 GMT

Question

I got a hard copy of my annual credit report from annualcredit report. In reviwieng it I noticed some promotional inquires form Chase and Discover. I have been opt out for about 3 years now -indefinately and it states this on the report in the note section.

Is this promotional inquiry legal while i a opt out ??

Re: Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 18:39:55 GMT

@Anonymous wrote:
Question

I got a hard copy of my annual credit report from annualcredit report. In reviwieng it I noticed some promotional inquires form Chase and Discover. I have been opt out for about 3 years now -indefinately and it states this on the report in the note section.

Is this promotional inquiry legal while i a opt out ??

Which CBR are you looking at?

Are you a customer of Discover or Chase?

Re: Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 19:09:10 GMT

I am looking at TransUnion report. it states underspecial messages at the end of the report that I am 1 has a security freeze in place

2 promotional opt out indefinately.

yet under promotional offers is a CHASE inquiry.

at the time I was not a active customer of chase per se . I had a 2 charge off accounts for the that have since been paid to CA in full last year. earlier this year i did recieved the offer letter in the mail form CHASE and thought why not I applied and got the chase freedom account.

Part of the reason I opt out is to not be bombarded with offers. but I thought the CRA are not to sell my ifoc for promotional offr if I opt out.

Re: Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 19:26:30 GMT

So you kinda/sorta are/were a Chase customer. Plus you couldn't have been too upset, you exercised their offer. No damages for you there.

What about Discover?

Re: Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 20:52:06 GMT

I did get an offer yesterday in the mail from discover but I am not interested. I shred it instantly hence my current concern and question that if I am opt out why the offers. I have since yesterday re opt out if there is such a thing !! to ensure no more unwanted mail. I just made the 700 club this week so excellent credit is not the reason for the mail . I was never a discover member, I shop mostly at Costco not Sams so i went with Amex not discover a while back. i just wonder how many people info still get sold despite their objection?

Re: Promotional offers while opt out

Anonymous — Sun, 13 Sep 2009 21:00:03 GMT

@Anonymous wrote:
I did get an offer yesterday in the mail from discover but I am not interested. I shred it instantly hence my current concern and question that if I am opt out why the offers. I have since yesterday re opt out if there is such a thing !! to ensure no more unwanted mail. I just made the 700 club this week so excellent credit is not the reason for the mail . I was never a discover member, I shop mostly at Costco not Sams so i went with Amex not discover a while back. i just wonder how many people info still get sold despite their objection?

I got my pre-app from Discover with FICO at about 690 and a bad history with them and got a big fat approval.

The main question, No!

Re: Promotional offers while opt out

ShowCredit — Mon, 14 Sep 2009 00:08:47 GMT

I have opted out too and I see a lot of soft pulls from Chase and First Premier on my report. Chase closed my card on 7/14 and I paid them off, they did a soft pull on 8/14 on EX. 8/21 First Premier did a soft pull. Why do I opt out if they still have access to my information? Makes no sense

Re: Promotional offers while opt out

Anonymous — Mon, 14 Sep 2009 01:48:58 GMT

my point exactly!!! why opt out if it does not protect your information from being passed on to heaven knows who???

granted I took the credit offer from chase I did not need but it really was a dare on my part to see if after having 2 CO accounts with them they would approve me in this credit climate. they did I am not sure what it says about CHASE or me???

Anyway I am going to did into this a little deeper i think despite what creitwherecredit is due says this has to be illegal. i will pose this question in a letter to the FTC and keep you posted.

No i won't file suit .... this is mere curiosity.

Re: Promotional offers while opt out

Anonymous — Mon, 14 Sep 2009 03:22:14 GMT

You accepted the offer and were approved.

You were not damaged.

You have no grounds for a complaint. Don't waste people's time.

Re: Promotional offers while opt out

Anonymous — Mon, 14 Sep 2009 21:36:10 GMT

point well taken case close I will be wasting my time also ..... it still bothers me it is the principle!