08-11-2012 06:15 PM
I'm a member of CreditCheckTotal(owned by Experian) and thanks to that service I have monitored and nurtured my credit back to better health.However, I do check my credit once per day almost nearly every week.This means a soft pull against my credit.I do this to see what negative files(delinquints,Collections) have fallen off and to protect my self in case of fraud, as well as to guage my process.
Does these soft pulls harm my ability to get future credit?
08-11-2012 06:20 PM
No, not at all. I don't even think lenders can see soft pulls.
08-11-2012 06:24 PM
I tried to get a new account for ATT and it said I needed a deposit because of thin file. Is that a soft or hard inq? I did one for VZW and SPRINT too...
08-11-2012 06:25 PM
No, only you and the bureaus see the soft pull. FICO doesn't "see" it either.
08-11-2012 06:25 PM
Koop10010 wrote:No, not at all. I don't even think lenders can see soft pulls.
+1. This is the soft pull verbiage directly from my EQ report:
Inquiries that do not impact your credit rating
These inquires include requests from employers, companies making promotional offers and your own requests to check your credit.
These inquiries are only viewable by you.
08-11-2012 06:26 PM
Rackham12 wrote:I tried to get a new account for ATT and it said I needed a deposit because of thin file. Is that a soft or hard inq? I did one for VZW and SPRINT too...
You'll have to check your reports to know for certain but most phone providers are known to do a hard pull.
08-11-2012 06:28 PM
08-11-2012 06:36 PM
I already used my 1 credit report for the year.
How do I go on about deleting it?
08-11-2012 06:53 PM
08-11-2012 07:38 PM
Do I let ATT and Verizon know I filed a BBB complaint or just send the letter?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO


