|
|
|
|
|
FICO® Forums >
FICO Scoring and Other Credit Issues >
Understanding FICO® Scoring >
Soft Inquiries - What do they see?
|
|
|
|
|
|
|
|
|
|
|
|
|
Re: Soft Inquiries - What do they see?
|
|
nicemann
Valued Contributor
Posts: 499
Registered: 03-12-2008
Message 3 of 13
Viewed 6,841 times
|
|
|
I have always wondered the same thing. One of those great mysteries.
TU 701 (3/21/09), EQ 680(3/25/09), EX 656 (9/26/08)
This Year's Goals: Buy A New Car, Credit Scores at 700, Remove All Negative TLs
|
|
|
|
04-09-2008 04:10 PM
|
|
|
|
|
Re: Soft Inquiries - What do they see?
|
|
Timothy
Moderator Emeritus
Posts: 9591
Registered: 03-19-2007
Message 4 of 13
Viewed 6,828 times
|
|
|
Except for promotional INQ's - They can see/get EVERYTHING
They can however display this data in a different ways- or not at all
they can get scores, they can choose (sometimes must) get just name, address and phone numbers.
|
|
|
|
04-09-2008 06:12 PM
|
|
|
|
|
Re: Soft Inquiries - What do they see?
[ Edited ]
|
|
Boscoe
Super Contributor
Posts: 660
Registered: 09-11-2007
Message 5 of 13
Viewed 6,816 times
|
|
|
So the answer is.....soft inquiriers can see everything that hard INQ do? -Hards can see everything. -Timothy just said that Promo Inqs can see everything -Acct Review Inq must be able to see everything. What else is there? So what is the hard vs. soft difference?
Message Edited by Boscoe on 04-09-2008 07:11 PM
|
|
|
|
04-09-2008 07:10 PM
|
|
|
|
|
Re: Soft Inquiries - What do they see?
|
|
cheddar
Moderator Emeritus
Posts: 7115
Registered: 09-29-2007
Message 6 of 13
Viewed 6,812 times
|
|
|
Boscoe wrote:
So the answer is.....soft inquiriers can see everything that hard INQ do?
-Hards can see everything.
-Timothy just said that Promo Inqs can see everything
-Acct Review Inq must be able to see everything.
What else is there? So what is the hard vs. soft difference?
Timothy said that they can see anything EXCEPT for promo INQs.
Yes, account reviews can see everything, and hard inquiries can see everything. Promo inquiries just get name and address only, and perhaps a score, but no specific TL information.
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip.  )
|
|
|
|
04-09-2008 07:17 PM
|
|
|
|
|
Re: Soft Inquiries - What do they see?
|
|
Timothy
Moderator Emeritus
Posts: 9591
Registered: 03-19-2007
Message 7 of 13
Viewed 6,810 times
|
|
I said EXCEPT promos
Boscoe wrote:
So the answer is.....soft inquiriers can see everything that hard INQ do?
-Hards can see everything.
-Timothy just said that Promo Inqs can see everything
-Acct Review Inq must be able to see everything.
What else is there? So what is the hard vs. soft difference?
Message Edited by Boscoe on 04-09-2008 07:11 PM
|
|
|
|
04-09-2008 07:20 PM
|
|
|
|
|
|
|
|
|
Re: Soft Inquiries - What do they see?
|
|
Timothy
Moderator Emeritus
Posts: 9591
Registered: 03-19-2007
Message 10 of 13
Viewed 6,784 times
|
|
PRM=Promotional
RobertEG wrote:
When a creditor makes an inquiry, they are attempting to pull as much of your credit history as they are entitled to, not just your score. Soft inquiries that are not authorized by you for the purpose of seeking new credit do NOT give them your full credit report. For example, an inquiry made by one seeking to offer you new credit is coded as a PRM inquiry, and only gives them your name and address, not your full credit report.
|
|
|
|
04-09-2008 09:37 PM
|
|
|
|
|
|
|
