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need some whychat wisdom!!!
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Posted by shermanhater
(205.188.209.144) on January 05, 2004 at 16:44:11:
whychat i believe i have successfully opted out by calling the 1800#. i'm not exactly sure what all this does though. i understand the part about all the pre-approved cc to stop coming which is great but i'm wanting to know more about the hard and soft inquiries. the soft inquiries don't hurt the score right???? so what's the point in opting out? so lets say one of my debts is sold to another CA, can this CA get no info from my CR now? also, i have an account with asset acceptance, they've obtained an account of mine and have already done two 'hard inquiries' by permissible pupose, WITHIN three months apart. my question, can asset acceptance no longer look at my CR (because of recent opt out) or are they allowed to because they have previous authority. last question, what exaclty does permissible purpose mean? the CAs can pull a hard inquiry if the OWN your acct. correct? does this mean that any other CAs that have pulled hard inquiries were not permissible because they don't OWN the account??? these questions confused the hell out of ME while i was writing them, hopefully you can understand them and give me some feedback.
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