I understand the difference between HP and SP in terms of where they come from, how they do or don't impact your score, etc etc.
My question is- is there any productive way for me to use the information in my soft pull section? Sometimes there are companies I've never heard of (like "Goal Structured Solutions") who have several soft pulls on my report. Can I send a letter to the CRAs asking they stop honoring these requests? Should I send a letter to the organization itself and demand they stop looking at my file?
I literally have hundreds of soft pulls (which makes sense, I'm signed up for CreditKarma, NerdWallet, CreditWise) but for the ones that don't make sense (for example Discover continues to pull my credit monthly, even though my Discover card is closed and paid off)- is there any recourse? My information has been stolen before, and I'd just prefer that fewer companies and people have access to it.
And yes, my files are generally frozen, but soft inquires appear to still be possible, at least I imagine with creditors I've pre-authorized, while a freeze is in place.
