AT&T Inquiries

[Anonymous]

I'm not sure how many pionts it will take off. I only have 3 inquiries in the last 2 years.

It may not effect me at all.

As for the hard vs. soft pulls, I have no clue as to what info is different.

New rules for pulls on credit! (ones that I want):

Lending institutions extending credit for more than 1-3 months-----Hard

Insurance companies----Soft

Landlords----Soft

Potential employers----Soft

Any institution extending credit for between 0-90 days may do either a Hard or Soft pull. However, if a credit report is required to extend credit, then, that institution MUST report back to the CRAs on a monthly basis the status of that account.

Cell phone service is BIG business here in the US. I can promise you....should something like this be enacted in congress, the cellular carriers would throw a fit. Think of all the extra paperwork! Same thing with insurance.

DJ

[MidnightVoice]

I think if anyone does a hard pull they should be forced to report monthly to all three In fact, I think any lender should be forced to report to all 3 - my troubles with EX are in part due to my my longest open account not reporting to them