How long can a company use my credit app for inquiries

Quoting Real Person>:
Hi,
I found your email address on your website and had some questions I needed answers for. Thanks in advance...Peace...
First:
I recently pulled my credit reports and noticed that a company Whom I had a car loan with, which was then paid off in a transfer to another company, and the car loan has been paid off since 1994, inquired into my credit file in January 2005. Is this legal given that I have a Opt-out agreement in effect and I have sent letters to the direct marketing association as well. Do they have the right to inquire into my report and cause my score to lowered without my permission on a closed paid as agreed account? If not how can a handle this a) stop them and any other old close dout creditor from requesting my report or block the credit agencies from giving it out without my approval and gain back the point I have lost on my score because of it.

Secondly:
Another company that is a closed acocunt paid in full and in good standing, and was paid off in 2003 is still updating the last date of activity for that
account so it seems like the account is open when it is not. It shows a last activity date of 2005 and if was closed in April of 2003. Is this illegal and if so, how can I get the companies and credit agencies to acknowledge the true last dates of activities for this and any other account.
Third:
One agency shows an account in good standing paid in full with a balance of zero; however, it does not appear on my other files. Show I add this to the other two files and if so what is the process for taking care of this.
Fourth:
How can I write a letter to a credit that informs them to take a specific action-i.e. stop inquiring about my credit report after my acocunt has been paid in full and closed by me, etc. without them changing the last date of activity...

Thanks... RP

www.oskie.com/equifaxtransunionexperiancredit.htm Credit help

Thats a mouthful and very difficult to answer.
1. No they should not be able to pull your credit back up over and over if you
paid them well. If you have skipped town sometimes creditors can legally use your consent to look and see if you have new entries that mat make it easier to find a skipped town and owes me money person.
2. Long standing issue I have answered a hundred times on my blog and by email. There is not much you can do other than close the account by paying if you owe and ask the item be shown paid in full on such and such date.
3. I do not think bureau will add these items unless you pay and I have never done what you are saying but I know the FTC says we can update and add for a fee. Read FTC laws page on my credit web.
4. Fraud alert. Get my free form on my webpage