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
- Citi Rewards +: $5,800
- 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.
