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hard pull vs soft pull

Valued Member

hard pull vs soft pull

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

Message 1 of 3
2 REPLIES
Valued Contributor

Re: hard pull vs soft pull

 

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

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 2 of 3
Community Leader
Epic Contributor

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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