ACS CONSTANTLY running INQs...

[Anonymous]

How is it INQs can hurt our scores yet CAs can INQ all willy nilly?

ACS has INQ my CR 3 times in the last year!  There's got to be a law against that!

SerenityBound....indeed!

[Anonymous]

Are you sure that these are hard ings???   CAs do NOT have PP to do hard ings

[Anonymous]

Happy,

These are INQs on my freecreditreport EX CR and they don't distinguish what's hard or soft.  Far as I can tell they are soft.  I will have to look again.

SerenityBound....indeed!

[Anonymous]

Interesting question... I too was wondering this, as WFNNB/Brylane did a hard inquiry apparently in January....I have a  PIF WFNNB/Newport News acct and a WFNNB/Chadwicks acct I just paid off 2/22/08....wondering why they did a hard inq....going to be watching this thread very closely for any helpful info from the wonderful people here....

Message Edited by madameozzie on 03-09-2008 08:01 PM

[Junejer]

Serenity, if they are softs, they don't affect your score at all.

[Anonymous]

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madameozzie wrote:

Interesting question... I too was wondering this, as WFNNB/Brylane did a hard inquiry apparently in January....I have a  PIF WFNNB/Newport News acct and a WFNNB/Chadwicks acct I just paid off 2/22/08....wondering why they did a hard inq....going to be watching this thread very closely for any helpful info from the wonderful people here....

Message Edited by madameozzie on 03-09-2008 08:01 PM

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I have the WFNNB/VS card and get softs occasionally from their other companies.

HTH

-P

[Anonymous]

Only the hard pulls matter.

[Anonymous]

I know, but again, i can't tell on this FCR EX CR.

SerenityBound...indeed!

[Anonymous]

ACS did 3 inquiries on my credit this past year and they were HARD pulls for sure according to myFICO Experian report. If you are wondering who they are... It is a part time collection company in Dallas, TX that sells carpets/flooring as well (imagine that). The main jerk-o who does credit there goes by "Gary" and he actually said "blow me" when I told him to provide proof of the supposed "debt". He didn't listen and I went after him with my attorney and has since backed off. It's a big fraud deal.

[Anonymous]

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SerenityBound wrote:

I know, but again, i can't tell on this FCR EX CR.

SerenityBound...indeed!

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If you are meaning that you pull from freecreditreport.com's monitoring service, mine only showed hard inquiries. Soft inquiries are not shown on that report, or not for me.