Comenity Soft Pulls

[Anonymous]

While checking my credit reports today, I looked over the soft pulls on Equifax. I noticed that I have been having regular soft pulls from Comenity. I once had Comenity cards, but do not now and haven't had one since 2008. 

Just thought this might be an interesting data point for Comenity card holders. 

[Anonymous]

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@Anonymous wrote:

While checking my credit reports today, I looked over the soft pulls on Equifax. I noticed that I have been having regular soft pulls from Comenity. I once had Comenity cards, but do not now and haven't had one since 2008. 

Just thought this might be an interesting data point for Comenity card holders. 

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Thank you, musiclover, for posting this. It is helpful to see the kinds of things Comenity is doing overall as data points. This is the first I have heard of Comenity doing regular and numerous soft pulls for someone who has not had a Comenity account for 8 years!

I could see one random pull, but a lot of pulls as you mention? They are indeed strange. Good to know.

[Revelate]

How's it coded?  Equifax could be AR/AM or PRM for example.

I'm guessing it's something other than AR since you don't have an account with them, could just be bulk promotional trawling.

[Anonymous]

Sounds like you have a stalker. LOL!

[RonM21]

I was thinking the same thing as Rev. Could be some sort of commercial promotional type thing.

[Anonymous]

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@RM21 wrote:
I was thinking the same thing as Rev. Could be some sort of commercial promotional type thing.

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Seems unusual that it's a lot of pulls and it's happenening frequently, though.

[RobertEG]

The FCRA offers a special service to creditors.

Instead of mailing out blind offers to tens of thousands of consumers. creditors can submit specified criteria to a CRA and obtain a listing of consumers whose data meet the stated criteria.  They save a bunch by mailing unsolicited and "firm offers" to only those whose files will likely show qualification.

They cannot, however, obtain any account-specific information.  They get a listing of names and addresses.

The FCRA mandates that these promotional inquiries cannot be viewed by anyone other than the consumer, which is the definition of a soft pull.

They are coded PRM.

Comenity is likely making extensive use of that service, and the CRA is postiing the fact of their having obtained your name in a listing they provided.

[Anonymous]

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@RobertEG wrote:

The FCRA offers a special service to creditors.

Instead of mailing out blind offers to tens of thousands of consumers. creditors can submit specified criteria to a CRA and obtain a listing of consumers whose data meet the stated criteria.  They save a bunch by mailing unsolicited and "firm offers" to only those whose files will likely show qualification.

They cannot, however, obtain any account-specific information.  They get a listing of names and addresses.

The FCRA mandates that these promotional inquiries cannot be viewed by anyone other than the consumer, which is the definition of a soft pull.

They are coded PRM.

Comenity is likely making extensive use of that service, and the CRA is postiing the fact of their having obtained your name in a listing they provided.

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Thanks, Robert. I'm assuming that list would exclude people who have opted out, however; is that correct?

I can certainly see Comenity making extensive use of anything they can get their hands on.

musiclover, are yours coded PRM?

[Anonymous]

Just looked again. Coded PRM.

[RobertEG]

Yes, the Opt Out process is where the consumer notifies the CRA that they wish their names to be excluded from any listings provided by the CRAs.