chefantwon
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Sounds like it could be either ID theft or to check for pre aproval of a credit card. All CC companys will check your credit with out your knowledge. (that's how you get those pre aproval notices in the mail)
Pre aprovals don't cause any damage, this type of check doesn't go against your credit score. |
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RedSoxFan
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It sounds like these are promotional inquiries, as you did not mention that there are any capital one accounts on your credit file. Promotional inquiries occur when companies request your name and address from credit reporting agencies in order to send you marketing offers in the mail, for things like pre-approved credit cards. Capital One is one of the companies that utilizes this service the most, but the good news is that it has no affect on your credit.
Also you can place a promotional block on all 3 major credit reporting agencies files by calling 1-888-5-OPTOUT. This removes your name from the marketing lists that are sold to companies like Capital One.
If hard inquiries from Capital One appear on your credit file, contact the credit reporting agencies. No company can access your credit file without a permissable purpose, and you can dispute any hard inquires that appear without you having applied for credit. The credit reporting agencies are very helpful with this. |
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mojo4395
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Contact one of the three major credit agencies: Experian, Transunion, or Equifax. You can explain the problem to them and challenge anything on your report that you don't understand. They're actually very helpful, in my opinion. You can find phone numbers on their websites. Have all the info when you call them, and explain to them what's going on. They'll help you out. And, if you challenge something with one of the agencies, it'll automatically get fixed at the other two. That way you don't have to do the same thing three times. |
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Munya Says: GFOD
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They're just doing inquiries to see if you are credit-worthy enough for them to send you a preapproved offer.
Put a "consumer comment" on your credit report (make sure it's a merged report) that you are not soliciting Cap One and they are doing blind inquiries.
Yeah, I hate that. Cell phone companies do it, too. |
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SPIFIMAN1
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It's not Capital One. Someone has stolen your information and is attempting to secure credit with Capital One. No bank can access your credit unless it has been submitted to them by an individual over the net or by a merchant like a car dealer.
You need to contact Capital One again and stay on the phone as long as it takes to get this resolved. |
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NONAME
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where are you seeing your inquires? If you are looking at your report you got from a credit bureau - you are probably looking at soft inquires which DO NOT effect your score. read your report just before the inquires you are seeing |
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joe m
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You must get their address, and write to them. In your letter, give them your Name, address including your zip code and DATE OF BIRTH. Do NOT give them your social security number.
Explain they have you crossed with another of the same name, and tell them their collection inquiries are hurting you, please discontinue.
That should do it. |
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the Boss
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If what you are saying is true, then SOMEONE is applying for credit in your name.
Capital One would not be randomly looking at your credit report. I think your problem is worse than you think. |
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Vadalia
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These are probably "soft hits" on your score- they do not lower it and aren't seen by anyone but you. They usually do this to see if they want to send you pre-approved offers. |
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irish_giant
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Ha ha ha. They just want to know ... WHAT'S IN YOUR WALLET??? |
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jynxx25
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No one has the authority to access your credit history unless you grant them that access (i.e. applying, requesting increase credit limit, and negotiating a lower rate). It is unlike Capital One to so something like that, but credit companies are crooks. This could be a case of stolen or mistaken identity. Monitor your credit history and report these inquiries to the three credit bureaus. If your identity is stolen report it to the police. |
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IMHO
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call the better business bureau.
do you know anyone who works for them that may not like you? |
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