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Good tip. TransUnion and Equifax both showed the soft inquiries from Synchrony Bank in the last two weeks, misspelled name and all. Experian did not.

Presumably the inquiries could only have occurred if someone else is mucking around with my social security number and personal info.

Actually, soft inquiries are often generated by companies that are looking for candidates to market to. When individuals apply for credit with a company that they don't already have an account with, it's a hard inquiry, not a soft inquiry.

Given that the soft inquiries said that they were from Synchrony Bank, which you hadn't previously heard of, I suspect that as you had originally suggested might be the cast - Synchrony is trying to market to you. They used the prescreening process that generates a soft inquiry to find a group of consumers with a specific set of criteria in their credit history, and your credit history fit the bill.

If you want to opt out of being prescreened, you can call 1-800-5-OPT-OUT and you will be opted out for 5 years. There is more information on the opt out process, including how to opt out permanently here

Note: Opting out will mean that you shouldn't get any new offers of credit from creditors that you don't already do business with, including BT offers. Some of your current creditors may also remove you from their marketing lists, so you may not get BT offers sent to you from them, either. So if you are looking for BT offers to help pay down debt, you may want to wait to opt out.

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