What can a company see on my credit report when they do a soft pull?

[DeeBee78]

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

[Anonymous]

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@DeeBee78 wrote:

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

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They can see the exact same thing they can with a HP.  There is no difference between the two other then the way they are coded. So if there anything derogatory on your report they can see it.

[DeeBee78]

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@Anonymous wrote:

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@DeeBee78 wrote:

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

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They can see the exact same thing they can with a HP.  There is no difference between the two other then the way they are coded. So if there anything derogatory on your report they can see it.

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Bummer. It's amusing to me that even with this derog, I've been able to establish 3 new TL's. I just can't seem to get an increase on anything that isn't Comenity. 

[ojefferyo]

What is it for if you don't mind?

[Anonymous]

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@Anonymous wrote:

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@DeeBee78 wrote:

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

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They can see the exact same thing they can with a HP.  There is no difference between the two other then the way they are coded. So if there anything derogatory on your report they can see it.

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Hi Irish, I have a question -- so can lenders see the soft pulls others have done or just hps??  

[travisr0]

Lenders will be able to see your report and the hard inquiries, I don't think they can see all the SPs that goes on but I may be wrong. Many of those SPs are for your CC companies monitoring your usage.

[DeeBee78]

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@ojefferyo wrote:

What is it for if you don't mind?

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Well, now that I know they can see derogs with a SP, I know that I won't see any CLI's until this false one is removed from my credit report.

I've been fighting it for four months now. First I disputed it will all three CRA's. then I went to the CA and asked them to cease collection and sent a DV letter. Now I'm waiting for a response to the DV letter.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@DeeBee78 wrote:

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

---

They can see the exact same thing they can with a HP.  There is no difference between the two other then the way they are coded. So if there anything derogatory on your report they can see it.

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Hi Irish, I have a question -- so can lenders see the soft pulls others have done or just hps??  

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No with an SP they can't see other SPs, just the hard inquiries. Even with an HP, they can't see SPs.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@DeeBee78 wrote:

I'm getting denied for CLI's because I have a (false) collection that has been added to my report recently. I'm working on getting that taken care of, but until I do, I seem to be stuck with current credit limits. 

So how much of my credit report can a lender see when they do a SP? I've read that they can see derogatory items, but I've also read that they can't. Anyone haveian idea?

---

They can see the exact same thing they can with a HP.  There is no difference between the two other then the way they are coded. So if there anything derogatory on your report they can see it.

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Hi Irish, I have a question -- so can lenders see the soft pulls others have done or just hps??  

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No with an SP they can't see other SPs, just the hard inquiries. Even with an HP, they can't see SPs.

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Thanks -- just curious since they make it near impossible for us to see our own SPs, I wondered if they could see who else is watching us.