Promotional offers while opt out

[Anonymous]

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 ??

[Anonymous]

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@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 ??

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Which CBR are you looking at?

Are you a customer of Discover or Chase?

[Anonymous]

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.

[Anonymous]

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?

[Anonymous]

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? 

[Anonymous]

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@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? 

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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!

[ShowCredit]

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

[Anonymous]

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.

[Anonymous]

You accepted the offer and were approved.

You were not damaged.

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

[Anonymous]

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