When Creditors Soft You

[Anonymous]

I noticed Citi has been soft pulling me the last few months i have 2 gas cards with them i've never requested a CLI from them what do they look for when they soft you. I also noticed GE had been softing me allot also.

I just noticed today that i have 2 new collection showing up on my EX report should i worry that some of my creditors will CLD me.

[Anonymous]

They are looking for what your current balances are with other creditors, if your util is going up, if you have opened new cards or loans lately, if you have lates, and if you have new collections. The collections could be a worry to creditors, I would try to clean those up as quickly as possibly if you can.

[Anonymous]

---

@Anonymous wrote:
The collections could be a worry to creditors, I would try to clean those up as quickly as possibly if you can.

---

Yeah the collection are the big issue i'm working on it.

[clocktick]

How can you tell they are soft-pulling you versus hard-pulling? 

[WhirledPeasPlease]

Softs are on the reports you pull directly from the bureaus, including the annual freebies.

[clocktick]

Thank you!

[WhirledPeasPlease]

---

clocktick wrote:
Thank you!

---

Quite welcome!  It's a ton of fun to look at all of the softs from Amex!