Posted by Noa on October 15, 1999, at 20:30:38
In reply to Re: matters of personal finance--PS, posted by Bob on October 15, 1999, at 6:18:35
While I am in repayment through CCCS, I am in the bad credit category. I also still got a bunch of credit card offers after I entered the CCCS program, even from the very same banks I was in repayment to!!!! Out of curiosity, I called one of them to inquire, essentially, if their right hand knew what their left hand was doing. The two functions of the company are completely separate. But if I were to have actually applied, ie responded to one of those "you have already been approved" offers, they would have rejected me. I think what is happening is that the unit that sends out the offers must use some credit bureau info that is not very specific, such as frequency of inquiries by other folks into your credit, or something like that, as a trigger to spit out another card offer. Not very precise, but it must be worth their money to just blanket the world with credit card offers. Eventually, I listed myself with the direct marketing association as wanting NOT to receive unsolicited offers of any kind. It makes taking out the trash a much easier job.
poster:Noa
thread:13154
URL: http://www.dr-bob.org/babble/19991016/msgs/13230.html