🚀 go-pugleaf

Heather Bean wrote:
> 
> Also somewhat along these lines, I just got one of those letters from Trans
> Union too, stating that they had *31* requests for information on my credit
> during the past 12 months.  That number seems ridiculously high to me,
> as I can't even think of five times in the past 12 months when I have applied
> for or requested anything that would require a credit check.  I requested
> their free report, which hasn't arrived yet, but am really curious as to
> whether others have such a huge number of credit checks on their records, or
> whether I should be concerned by this.  Do those 'pre-approved' credit card
> junk mailings actually get your credit report ahead of time, etc?  I had
> previously assumed that your credit report was only checked when you consented
> by applying for something or requesting something, but perhaps I'm in
> error in that thought.
> 
> Heather
> 
> Chuck Wright (cawrigh@ibm.net) wrote:
> : I recently obtained a free credit report on myself, and along with the
> : report the credit bureau provided this interesting nugget of information:
> 
> : Mailing Preference
> : ------------------
> : Credit Reporting companies, such as Trans Union, occasionally provide
> : your name to direct marketing companies offering goods and services
> : which would seam of interest to you.  If you do not want to receive
> : these mailings, you have the right to deny permission of the use of
> : your name for these purposes.  Simply call the toll free automated
> : marketing Opt-out telephone line, 1-888-567-8688.  You will be prompted
> : to give your name, address, and social security number.  Your name will
> : be removed from all of the credit bureau marketing lists.
> 
> : I found out about this because Colorado passed a law back in 1997 that
> : requires the credit reporting companies, such as Trans Union and Equifax,
> : to notify you if they process four or more requests for credit reports on
> : you in a 12 month period.  When the credit reporting agency notifies you,
> : they must give you the option to request your credit report free of
> : charge.  I requested mine, and along with the credit information they sent
> : me the Opt-out number.  The number is not just for Trans Union.  It takes
> : you off of the marketing lists of all the credit bureaus.
> 
> : I'm hoping this will stop most of the junk mail I receive for credit cards
> : and mortgages.
> 
> : Chuck Wright
> : http://www.harrybrowne2000.org/

We got letters also. My husband had 15 inquires. I had 11 on mine. I
requested the info. We applied for credit once this past year.