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When Creditors pull a soft, what kind of information are they able to view?

Established Member

When Creditors pull a soft, what kind of information are they able to view?

I am quite new on this board, but I hear that many creditors pull either a soft inquiry or a hard inquiry to one's reports.  What information are the creditors able to view and what are they not able to, which leads to a hard inquiry, of course, with prior applicant's consent?  I thank you in advance for your assistance!

 

12/17/09 FICO EQ 721 TU 623 FAKO EX 711

12/22/09 FICO EQ 760 TU 666 FAKO EX 747

2007 500+ overall score

2010 GOAL: By mid year reach 750-795 on all 3 CBs

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Senior Contributor

Re: When Creditors pull a soft, what kind of information are they able to view?

If they are an existing creditor (Account Review Soft), then they can see everything.

 

If it is a promotional prescreening soft, then they get limited data about your "categories" or score range, but not a full detail report.

 

If they pull soft related to an identification verification (such as some CU's pull soft on membership), they actually get all CR details.

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549