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Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011

Monitoring Products and Soft Pulls

So I have a question - what monitoring products do you use and how do you tell if a lender did a SP or HP.

 

I currently use Amex CreditSecure and was wondering if you can tell a difference in pulls or would I need another product to see a SP?

 

My concern is basically - I want to see when Amex softs me over the next couple months to know where I stand for my 61 day 3x CLI.

 

Any info is appreciated. :smileyhappy:

 


Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Valued Contributor
daybreakgonesXe
Posts: 1,683
Registered: ‎11-17-2012

Re: Monitoring Products and Soft Pulls

Hmm, for experian and transunion I usually use creditkarma (TU), creditsesame (EX), credit.com (EX), and quizzle (EX). however, you can't find the softs on them unless you get your annualcreditreport.com, in which you can review your experian with the same code they give you for a while! Equifax you can go to "dispute info" and either type in your current confirmation # or just fill out your information and answer a few security questions! from there, you can review all your information, including soft pulls!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 709 TU FICO 746 Credit Karma (TU) 780 Transrisk 816/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 733
Regular Contributor
ukimafija
Posts: 127
Registered: ‎08-13-2012

Re: Monitoring Products and Soft Pulls

[ Edited ]

If you got approved for the card they did a HP on a bureau, and you have the right to check your report within 60 days for free(In case of adverse action).

They pulled EX for my  two Blue cards, their adress is http://www.experian.com/reportaccess/   

Google up the address for the bureau you need. I saw mine SP it says AMEX Account review 30 days from opening so far.....

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Monitoring Products and Soft Pulls

https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIRESELLER&rid=R045

For EXP


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Re: Monitoring Products and Soft Pulls


ukimafija wrote:

If you got approved for the card they did a HP on a bureau, and you have the right to check your report within 60 days for free(In case of adverse action).

They pulled EX for my  two Blue cards, their adress is http://www.experian.com/reportaccess/   

Google up the address for the bureau you need. I saw mine SP it says AMEX Account review 30 days from opening so far.....


Question - if you do this, it doesn't count as your free annual credit report (from annualcreditreport.com), right?

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Monitoring Products and Soft Pulls

no
Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Re: Monitoring Products and Soft Pulls


Repo-ed wrote:
no

Thanks!

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011

Re: Monitoring Products and Soft Pulls

[ Edited ]

So basically no monitoring product lets you know if you have been soft pulled or not? Basically I just want to see Amex softing me for 61 days 3x CLI..

 

Edit: I see - so I go to EX and say I had AA and get my free report right before 60 days basically?


Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Monitoring Products and Soft Pulls

Thats correct there are no monitoring services that you can purchase to see SP.

Only the actual credit agency can provide that.

$100K in Credit
Last Credit Card App: 11/16/13
Contributor
Croselx
Posts: 138
Registered: ‎07-31-2012

Re: Monitoring Products and Soft Pulls

I believe you can request a copy of your credit report 30-45 days (may be 60 days) after approval/denial without it affecting your yearly report. From what I understand it is in case you didn't get the best rates then you have a right to know why and since most of the time people don't get the best rates they have a free report.

 

1) You can request the report online a few days before you actually need it citing adverse action/didn't got the best rate and there you can see the SPs and dates they were made on.

2) If you haven't requested your yearly report you can do so now and see the information as well.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries

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