Reply
Established Member
rebuilding_credit
Posts: 20
Registered: ‎12-09-2009
0

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

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

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.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+