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Is this a VIOLATION of Anything and What can I WIN for a PRIZE?

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JJF
Regular Contributor

Is this a VIOLATION of Anything and What can I WIN for a PRIZE?

On the OptOutPreScreen.com website, I opted out on 3/28/2009.

 

I swear the last things the CRAs do when you opt-out is the notify anyone who previously had a promo inquiry on your report that you opted out.  I have gotten more credit card offers since I opted out than combined over the several months before I opted out.

 

Byrdman just posted something that prompted me to go back and check the inquires on my EQ report.

 

My EQ report shows the following as of 4/2/2009:  (My oldest archive report.)

File blocked for promotional purposes.

 

My EQ report shows the following as of today:

PRM-CAPITAL ONE  04/10/09, 06/14/08

 

My EQ report shows the following as of 4/8/2009:

PRM-CAPITAL ONE  06/14/08

 

So if I opted out, and this information is reflected on my credit report, how come there is a promo inquiry on my credit report?  I vaguely recall visting the Capital One website and checked to see if I was pre-qualified but I thought this was checking to see if there was an existing promo offer, not giving permission for them to pull a promo offer?

 

Can the prize be - I will let EQ remove the medical collection from my wife's credit report in exchange for not filing a complaint for not blocking my credit report?  Is there a chance that I caused the promo offer by checking for pre-screened offers?

 

Sept 2025 Scorecard
FICO8: EX 825, EQ 824, TU 850
AAoA: 14 yrs 1 mo | AoORA: 38 yrs 5 mo | AoYRA: 3 yrs 5 mo |
Message 1 of 3
2 REPLIES 2
enerey
Regular Contributor

Re: Is this a VIOLATION of Anything and What can I WIN for a PRIZE?

This is from the optoutprescreen.com.  Good luck with your complaint.

 

I submitted an Opt-Out request several weeks ago and I’m still receiving offers?
Even though your request becomes effective with Equifax, Experian, Innovis and TransUnion within five days of your request, you may not see an immediate reduction in the amount of offers you receive. This is because your name may have already been provided to some companies that have not yet mailed their offers to you.

While your name will be removed from the lists that Equifax, Experian, Innovis and TransUnion provide to businesses for the purpose of making you a firm offer of credit or insurance, you may continue to receive offers from sources that do not use Consumer Credit Reporting Companies to compile their lists.

You may not Opt-Out from Direct Mail Association (DMA) lists through this website.

The DMA tracks consumers who prefer not to receive mail or telephone solicitations. The DMA can provide information about Opting-Out of lists produced by companies that subscribe to its Mail and Telephone Preference Services. You may contact the DMA at the following web address

Message 2 of 3
lisac
Regular Contributor

Re: Is this a VIOLATION of Anything and What can I WIN for a PRIZE?

J. check the dates on two of the enteries are 2008.  before you opt out.  also i believe when i opt'd out it said it would take up to a month to complete.

Message 3 of 3
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