Reply
Valued Member
justgetitdone
Posts: 30
Registered: ‎06-11-2009
0

hard pull vs soft pull

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

Community Leader
Valued Contributor
DaveSignal
Posts: 2,096
Registered: ‎07-29-2011
0

Re: hard pull vs soft pull

 

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

EX:694 TU:744 EQ:709
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
0

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.


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+