cancel
Showing results for 
Search instead for 
Did you mean: 

Stopping unsolicited promotional soft pull inquiries

tag
IcyCool7227
Frequent Contributor

Stopping unsolicited promotional soft pull inquiries

Another thread for y'all but I've learned so much good info in this forum these past few years! As stated earlier I was reviewing my TransUnion CR and it came to me that I haven't looked at a formal credit report like that in a long, long time. I noticed Promotional inquiries like Mariner Finance (whom I've never even heard of) and Affinity Plus (whom I have a checking account with). Those two actually sent mailers a week ago as a result. Mariner Finance wanted a loan in the form of a sneaky looking check (have no idea how that even works but I'm steering clear as I don't need a loan). Affinity Plus FCU sent a pre-screened cc that wasn't appealing. I don't mind unsolicited credit card offers in the mail but things like Mariner Finance, T-Mobile, Regional Finance and The Travelers Companies (travel insurance) I'm a little uncomfortable knowing they have access to that sensitive info and I've never done business with them. How did they get my SSN and how much info is available? I don't want to opt out of pre-screened cc offers but those other types I don't want. Is there a way to prevent this?

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Double Cash: $8,000
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 1 of 2
1 REPLY 1
GZG
Valued Contributor

Re: Stopping unsolicited promotional soft pull inquiries

nope, you either do the opt-out or you stay opted-in and take the good with the bad 

 

https://www.optoutprescreen.com/ 

 

image.png

 

also, affinity, I'm personally offended they're really going to pre-approve me for every card but their good one

image.png

Starting FICO 8:
Current FICO 8:


0/6, 2/12, 7/24
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.