Question about soft pulls

pt2005 · ‎10-23-2012

Hi all,

I've been reading on this forum and learning that people know about soft inquiries besides the hard ones.

Could someone please explain how you learn about your softs? Is it in a CR, or is it part of some credit tracking/monitor service (names please)

Thanks

Revelate · ‎10-23-2012

Annualcreditreport.com

Not certain they are available anywhere else. Would be happy to be proved wrong on that

bettercreditguy1 · ‎10-23-2012

If you go directly to TU, EX or EQ web sites, the report a consumer purchases will show all of the soft pulls the last two years. They also often tell when a baddie will turn positive or drop off as well.

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience

sgs10 · ‎10-23-2012

Check your credit report and you can see it in inquiries section, its referred by the following terms

1. Experian - "Inquiries Shared Only With You"

2. Equifax - "Inquiries that do not impact your credit rating"

3. Transunion - "Promotional Inquiries"

pt2005 · ‎10-24-2012

@sgs10 wrote:
Check your credit report and you can see it in inquiries section, its referred by the following terms

1. Experian - "Inquiries Shared Only With You"
2. Equifax - "Inquiries that do not impact your credit rating"
3. Transunion - "Promotional Inquiries"

Thanks sgs10.

I recently purchased myFICO TU and EQ reports, but I did not see the soft inquiries in those. I also checked the free FAKO accounts that I have such as CreditKarma, CreditSesame, Quizzle, and I did not see in those either. I guess the "credit report" you referred to are those from AnnualCreditReport website?

sgs10 · ‎10-24-2012

I purchased these reports from the respective credit reports site.