01-26-2006, 05:01 AM
Wow, you know a lot about this!
I'm leaning heavily towards it being my new loans because I'm also getting bombarded with offers from those companies that want to make my mortgage payments if I'm incapacitated.
I guess the fact that my dept has risen to ear-level makes me an attractive credit card user somehow. They can smell the fear . . .
But I've also opened a new bank account and switched phone providers.
MacMagus Wrote:
-------------------------------------------------------
> > What other things can trigger it though?
> Opening a bank
> > account? Applying for new utility service of
> some sort?
> > Spending more money each month?
>
> Usually, it's a new phone/utility service that
> triggers it -- they do a credit check and sell
> your info before they finish setting up an
> account.
>
> Sometimes, when you pay off a substantial portion
> of an old debt, it'll trigger their computers to
> flood you with offers.
>
> Sometimes when you open a new consumer credit
> account or bank loan or if you consolidate debt
> you'll get flooded because it gets out that you're
> seeking credit.
>
> Sometimes it's a matter of affiliations -- unions,
> credit unions, alumni organizations, etc. have
> joint ventures with some of the credit card
> companies where they get money for each signup or
> a percentage of your spending trickles down to
> them for a year or two after you get the card.
> These things are usually seasonal and as was
> mentioned, it is the beginning of the Spring
> fundraising season.
I'm leaning heavily towards it being my new loans because I'm also getting bombarded with offers from those companies that want to make my mortgage payments if I'm incapacitated.
I guess the fact that my dept has risen to ear-level makes me an attractive credit card user somehow. They can smell the fear . . .
But I've also opened a new bank account and switched phone providers.
MacMagus Wrote:
-------------------------------------------------------
> > What other things can trigger it though?
> Opening a bank
> > account? Applying for new utility service of
> some sort?
> > Spending more money each month?
>
> Usually, it's a new phone/utility service that
> triggers it -- they do a credit check and sell
> your info before they finish setting up an
> account.
>
> Sometimes, when you pay off a substantial portion
> of an old debt, it'll trigger their computers to
> flood you with offers.
>
> Sometimes when you open a new consumer credit
> account or bank loan or if you consolidate debt
> you'll get flooded because it gets out that you're
> seeking credit.
>
> Sometimes it's a matter of affiliations -- unions,
> credit unions, alumni organizations, etc. have
> joint ventures with some of the credit card
> companies where they get money for each signup or
> a percentage of your spending trickles down to
> them for a year or two after you get the card.
> These things are usually seasonal and as was
> mentioned, it is the beginning of the Spring
> fundraising season.