I just checked my credit report online. Last time I checked it, about a year ago, I called all the accounts that were open that I don’t use to close them. This time, there was still a pesky HSBC credit card that I couldn’t seem to find the number for this time.
Which leads me to my first question: There was a security hold on my account, and the first gal couldn’t close it without sending me to the security department. They said they closed the account, but couldn’t send me a letter because of the hold, and they wouldn’t take it off. They wanted a copy of my drivers license and two utility bills. I told them that would be a pain in the ass. **Will this in any way present a problem in the future? ** I do not want to do business with them again (for one, their CS number is not toll free, and I’m already satisfied with my current bank’s card), so that is not a concern.
My second question: When I pulled up “credit inquiries”, there were about 15 there. Now, I have a recent car loan, plus a couple recent student loans. But I don’t remember or recognize all 15 or so of the inquiries. In fact, some of them are from banks that I get “0%” offers from all the time, that I just destroy without opening. Should I worry about this one?