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I'm not asking where they are located on the CR, or which costs you FICO points etc., I'm aware of that. What I'm asking is, what information is received in a soft pull vs. hard pull if anybody knows.
Thanks much.
@haulingthescoreup wrote:
Account review and account maintenance softs can only legally be done by your current creditors. They show everything, just as if they pulled a hard.
Thanks. This would make sense, except I've read some posts that state some creditors do a HP for CLI? That wouldn't make sense - for the consumer at least - doing a HP instead of a SP will cost some points obviously, so why do it if it produces the same info? Thanks again...
bigtim wrote:
@haulingthescoreup wrote:
Account review and account maintenance softs can only legally be done by your current creditors. They show everything, just as if they pulled a hard.Thanks. This would make sense, except I've read some posts that state some creditors do a HP for CLI? That wouldn't make sense - for the consumer at least - doing a HP instead of a SP will cost some points obviously, so why do it if it produces the same info? Thanks again...