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Regular Contributor
Soviyana
Posts: 156
Registered: ‎02-14-2008
0

How do you see a soft v. hard pull?

We've been talking a lot about soft pulls and hard pulls.  I understand the difference, but don't know where I go to SEE the 'soft' pull?  I don't see it listed anywhere on the myFico power reports..and it's not on my True Credit one either.  So far, I've been guessing based on the absence of a hard pull when I apply, but I'd love to know who is peaking in.
 
Thanks!
Sovi

>>>Get Credit when you don't need it, so you have it when you do.

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: How do you see a soft v. hard pull?

Unfortunately MyFICO and TC don't offer soft pull info. The only place to find it is on each CR pulled directly from EX, EQ, or TU.
Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007
0

Re: How do you see a soft v. hard pull?

[ Edited ]


Soviyana wrote:
We've been talking a lot about soft pulls and hard pulls.  I understand the difference, but don't know where I go to SEE the 'soft' pull?  I don't see it listed anywhere on the myFico power reports..and it's not on my True Credit one either.  So far, I've been guessing based on the absence of a hard pull when I apply, but I'd love to know who is peaking in.
 
Thanks!


The softs show up on the CR's you get directly from each CRA (or via something like annualcreditreport.com).
 
ETA:  Oops, llecs beat me to it. lol.


Message Edited by scapegrace13 on 05-20-2008 06:36 AM
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02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

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Contributor
techno-pagan
Posts: 98
Registered: ‎02-28-2008
0

Re: How do you see a soft v. hard pull?

[ Edited ]
If you use truecredit click on the "dispute" link and start to go through the process (you won't actually submit a dispute) - this will show you the REAL CRA report and will list the softs (I know this works for EX and EQ - not sure about TU). I use the method you mention - if it doesn't show as a hard it must have been a soft...

Message Edited by techno-pagan on 05-20-2008 06:52 AM

Message Edited by techno-pagan on 05-20-2008 06:53 AM
TU (3/30/09): 771
EQ (3/30/09): 751
EX (5/19/08): 715
Regular Contributor
Soviyana
Posts: 156
Registered: ‎02-14-2008
0

Re: How do you see a soft v. hard pull?



techno-pagan wrote:
If you use truecredit click on the "dispute" link and start to go through the process (you won't actually submit a dispute) - this will show you the REAL CRA report and will list the softs (I know this works for EX and EQ - not sure about TU). I use the method you mention - if it doesn't show as a hard it must have been a soft...


Super Techno - Thanks.  I really want to track this so I know for the future.  USBank supposedly will do an automatic increase at 6 mo with a soft-pull.  Want to be sure that's what happens :smileyhappy:
 
Sovi

>>>Get Credit when you don't need it, so you have it when you do.

Contributor
LaserBlue
Posts: 88
Registered: ‎04-05-2008
0

Re: How do you see a soft v. hard pull?

If you use the online dispute for EX, you can see them there. That's how I know Amex softed me 2 weeks after I got my card. Don't know about any other CRAs outside of using annualcreditreport.com.
Scores on4/8/10: TU 731 EQ 731
Unapologetic Amex fan
Established Contributor
Posts: 739
Registered: ‎06-30-2007
0

Re: How do you see a soft v. hard pull?

you can use old report number to get experian.
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
Valued Contributor
slyhouse08
Posts: 2,340
Registered: ‎04-08-2008
0

Re: How do you see a soft v. hard pull?

I've been waiting for a post like this...I know the difference in hard vs. soft as far as score impact..but what is the difference on what the company sees when they do a soft pull...vs. a hard pull
Established Contributor
guydiver
Posts: 578
Registered: ‎08-30-2007
0

Re: How do you see a soft v. hard pull?

Hello all......
I too have always wondered what they see in a "soft" vs. "hard" pull.  I know that all of the pre-approved offers I get are soft pulls, but they don't seem to have much info. in them because all of the small print states something about meeting their credit qualifications....or something or other like that.
My first post.  Have been reading for months.....invaluable info on here.  I'm up over 100 points now on two reports, and about 100 on EX.  That's over a two year period.
TU- 672
EX-654
EQ 698
MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 748(Barclay), EX 738(CS) Goal Score: .....800 IS ON MY BUCKET LIST! New DCU Member! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 15K, Cabela's Siggy Visa 11.5K,Travelocity AEX 18.9K
Moderator Emeritus
ByrdMan
Posts: 7,970
Registered: ‎12-19-2007
0

Re: How do you see a soft v. hard pull?

sly and guy, they see all of the information on a soft pull.
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