Credit Cards

[SnackTrader]

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nicholasyud wrote:

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youngandcreditwrthy wrote:
Thanks!!!! I think I check my reports more than my creditors do btw lol... I wonder if they can see me sp'ing my own report checking their sp on my report lol!

They based it on an Exp soft pull btw!

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i sure they can but i wonder how you can check if some1 soft you ??? I try the disputed method but it didnt work that way. ;-(

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I'm pretty sure the idea of the SP is that no one else can see that.  Only hard inquiries are visible to creditors.

[youngandcreditwrthy]

Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

[youngandcreditwrthy]

Yeah... That makes sense now that Im thinking about it-that only you can see the sps. Hahah. Credit is such a game. Timing when to app or get clis haha.

[Repo-ed]

great job!

[nicholasyud]

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youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

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Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

[Satellite5]

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nicholasyud wrote:

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youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

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Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

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You would have to pull your own report directly from Equifax/Transunion/Experian. If you get it from Credit Karma, Quizzle or FICO, they are the ones requesting your report from the CRA, so they don't get the information on soft pulls. Soft pull information is only available to you, not a third party requesting it like CK, Quizzle or FICO.

[SnackTrader]

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nicholasyud wrote:

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youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

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Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

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annualcreditreport.com

You can pull your report from each of the three major bureaus once a year for free.  This is something EVERYONE should do to check for fraud, appropriate reporting, etc...

[youngandcreditwrthy]

If you get denied credit, including a cli, you get a free copy of the report used as well. Also, pretty sure the CRAs will let you view your reports for free if you need to "dispute" something. Check Experian.com/reportaccess , transunion.com/myoptions, equifax.com/fcra

[Razeus]

It's certainly a good feeling.  A damn good feeling.  Congrats!

[Jutz]

Congrats OP!

To the soft pull questions:  Third parties can't see your SPs, thus Credit Karma, Sesame, even myFico can't report to you your SPs.  You need to pull your report directly from the CRAs to see them.  Experian however allows you to see your profile any time you start a dispute online, so if you begin the dispute process, you can see your full report including SPs for free.  However this is just your EX pulls obviously.