Noah_Bodie, I did opt out with all three bureaus but, yeah, I keep receiving the checks because I'm an account holder. I've asked Capital One to stop, and they say they will everytime. But the checks just keep on coming.
If you're serious about wanting them to soft pull your reports every month, I betcha they probably will if you sign up for this same type of card.
You experts here probably already realize that Capital One has different, like, "credit categories" of cards. I don't know how to describe it. It's something I didn't know when I signed up. So the card I have is a kind of sub-primey type account. It's no Hassle Free, What's In Your Wallet deal, that's for sure. So maybe that's the difference? I know someone said they don't engage in UD practices, but maybe that's just for certain classes of cards? They amended my contract to include UD a little while ago. So, I figured the monthly pulls were a "lying in wait" sort of thing. No biggie. I dislike Capital One's customer service, rarely use the card, and pay it off in full when I do. Anyway, maybe you have to sign up for one of those type cards?
Looks like they started montly pulls about six months or so after I was approved. (They're all soft pulls, and because I usually get reports from myFICO instead of directly from the bureau, I didn't realize what was going on for a while.)
but from the sounds of it Cap 1 isn't one I really want...I did Opt Out on Trans Union - or somewhere but it does report that on EX or EQ...