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Who has been soft pulling me - WCIF

Valued Contributor

Who has been soft pulling me - WCIF

Looking for best place to be able to find out who has been soft pulling me.  I have the services here and USAA but the reports only show hard pulls.  Where can I find (WCIF) a place that will let me check soft pulls? Do I have to order a full report from one of the CRA's?

 

Thanks,

 

 

Duncan



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 12
11 REPLIES
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Established Contributor

Re: Who has been soft pulling me - WCIF

Yes, you need full reports from CRAs.  If you want a comprehensive list, you'll need to pull from all three.  I'm curious.  What do you care?

Duncanrr wrote:

Looking for best place to be able to find out who has been soft pulling me.  I have the services here and USAA but the reports only show hard pulls.  Where can I find (WCIF) a place that will let me check soft pulls? Do I have to order a full report from one of the CRA's?

 

Thanks,

 

 

Duncan


 


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 2 of 12
Valued Contributor

Re: Who has been soft pulling me - WCIF

I'm in rebuilding process and I think it would be interesting to see how my soft pulls change as score improves.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 12
Community Leader
Legendary Contributor

Re: Who has been soft pulling me - WCIF

Consumers additionally have the right, under FCRA 609(a)(5), to receive from the CRAs a "record of all inquiries received by the agency during the 1-year period preceeding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer,"

 

That includes inquiries by so-called skip tracers that seek header information, and those related to so-called promotional inquiries for firm offers for credit.

Message 4 of 12
Super Contributor

Re: Who has been soft pulling me - WCIF

EQ Scorewatch reports soft pulls for your EQ report.  Their service is a little pricey and slow.

01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 5 of 12
Valued Contributor

Re: Who has been soft pulling me - WCIF


marty56 wrote:

EQ Scorewatch reports soft pulls for your EQ report.  Their service is a little pricey and slow.


I have Score Watch and havent seen any soft pull information there or alerts re the same.  Guess I'm not being soft pulled right now.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 12
Super Contributor

Re: Who has been soft pulling me - WCIF


Duncanrr wrote:

marty56 wrote:

EQ Scorewatch reports soft pulls for your EQ report.  Their service is a little pricey and slow.


I have Score Watch and havent seen any soft pull information there or alerts re the same.  Guess I'm not being soft pulled right now.


There won't be an alert of a soft pull and it has been a few years since I used EQ's service so they may not provide it anymore.  Just to double check you are not using MyFICO's Score Watch?

01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 7 of 12
Valued Contributor

Re: Who has been soft pulling me - WCIF

Yes. I use SW from this site.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 12
Frequent Contributor

Re: Who has been soft pulling me - WCIF

I use SW also and I never see the soft pulls show up on anything, actually based off what I have read in the forums I'm not sure soft pulls will show up on any report of any sort but possibly on a credit monitoring service that I do not know of but keep checking the post maybe someone know's of one?


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Message 9 of 12
Super Contributor

Re: Who has been soft pulling me - WCIF

You must use EQ's version from their site.

http://www.equifax.com/compare-products/

01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 10 of 12