Re: Cheapest way to see soft pulls?

SwiftTone · ‎06-12-2012

You can use similar techniques for all 3 CRBs

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

elaine829 · ‎06-12-2012

I would think your annual free credit report would be your ceapest way to see soft pulls.

Anonymous · ‎06-12-2012

@Steelersfan904 wrote:
@Anonymous wrote:
But, at the end of the day, the only real way to see soft pulls is to get a report direct from CRAs, or from AnnualCreditReport.com?
yeah I think so

I just go to EQ Mod Cut. This technique is considered unethical and not allowed to be discussed or advocated. By doing this you are attempting to obtain a service under false pretenses. This thread also talks about the subject.

MarineVietVet, myFICO moderator

Sorry Marine, I did try to point that out in the OP.

I think I've decided that seeing my soft pulls is not worth the $20 or whatever, I'll stick to USAA monitoring and wait until next year for my freebie. Or, at least wait until my mortgage app reports in a couple of months... That might prove interesting!

Repo-ed · ‎06-12-2012

I must have 50+ SPs from USAA

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

Anonymous · ‎06-12-2012

@Repo-ed wrote:
I must have 50+ SPs from USAA

They start falling off at some point, right? Regardless, what's the benefit of seeing soft pulls? To see who's doing account reviews? Potential credit apps? Potential collecion activity?

Trying to see what my hard-earned $20 buys here, that I can't get from MyFico or USAA.

Crashem · ‎06-14-2012

@Anonymous wrote:
@Repo-ed wrote:
I must have 50+ SPs from USAA
They start falling off at some point, right? Regardless, what's the benefit of seeing soft pulls? To see who's doing account reviews? Potential credit apps? Potential collecion activity?

Trying to see what my hard-earned $20 buys here, that I can't get from MyFico or USAA.

Most soft pull based cli do not pull new soft pull when you make cli but use their last soft pull so useful to know what they saw. Also, if you get offer in mail, nice to know if they saw your credit and mailed you offer based on that or your just part of junk mail list.