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Valued Member
justgetitdone
Posts: 30
Registered: ‎06-11-2009

hard pull vs soft pull

How can I tell on my credit report whether an inquiry from CA is hard or soft inquiry? 

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Valued Contributor
DaveSignal
Posts: 2,050
Registered: ‎07-29-2011

Re: hard pull vs soft pull

 

if you see something like above, that is a soft pull inquiry.

EX:694 TU:744 EQ:701
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RobertEG
Posts: 17,456
Registered: ‎03-19-2007

Re: hard pull vs soft pull

You can surmise from the code used to record the inquiry.  A PRM (promotional) inquiry, for example, is well-established as being an inquiry that is not included in credit reports obtained by others.  The same holds for inquiries initated by the consumer for their own CR.  Others become a bit muddlied, as coding of inquiries is not regulated under the FCRA.

 

To determine whether it is actually being included in credit reports issued to others, you would have to have evidence that another received a credit report that included the inquiry.  The end result tells all.


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