Reply
New Member
diamondmap
Posts: 12
Registered: ‎04-07-2013
0

Where can I find all soft pulls on my credit report?

Hi folks.... I have merged credit report from the 3 CRA. I only see HP. Is there a special report where I can see SP? Thank you

Mega Contributor
RobertEG
Posts: 17,728
Registered: ‎03-19-2007
0

Re: Where can I find all soft pulls on my credit report?

The distinction between a so-called hard and soft inquiry is that hard inquiries are those that are viewable on credit reports availble to others, while soft inquiries are viewable only by the consumer.  Since soft inquiries are not viewable by others, including the FICO scorers, they cant be included in credit scoring.  By statute, certain types of inquiries cannot be shown in CRs obtained by others.

 

Any commercial credit report is thus by definition unable to show softs, as it is generated based on access of your credit file info by others.

 

The yearly free credit reports at annualcreditreport.com are provided only to consumers to view their own credit reports, and are produced directly by the CRAs with no commercial vendor involved.

Thus, softs can legally be shown in reports you obtain there.

 

Reports you get directly from the CRAs can also show them if they are aware that you are requesting your own report.

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Where can I find all soft pulls on my credit report?

Only way to get them is by buying a copy of your credit report from the individual CRA.  As mentioned it's not really important but I do like to see who' s been poking around a couple times a year. 

New Member
diamondmap
Posts: 12
Registered: ‎04-07-2013
0

Re: Where can I find all soft pulls on my credit report?

You're right, I was able to view on EQ but only when I asked them to make them available for viewing. Although I bought 3 credit reports from EQ, I can only view the SP on EQ. I have to request individual reports for each CRA.

 

I have a question though: What can a credit see when they do a SP? score, new account, late payment,,,etc?


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+
}