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Soft Inquiries - What do they see?

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Established Contributor

Soft Inquiries - What do they see?

What exactly do the OC's see when they perform a soft inquiry?   Just the score and nothing else?  It is not the complete report, I know, but what do they actually say?
12 REPLIES
Senior Contributor

Re: Soft Inquiries - What do they see?

Excellent question Boscoe! I'd like to know too. I assume it's a lot more than just the score, but I'm really curious. Smiley Wink
"Never ever, ever be late. Never" (FUTR)
Established Contributor

Re: Soft Inquiries - What do they see?

I have always wondered the same thing.  One of those great mysteries.
Moderator Emeritus

Re: Soft Inquiries - What do they see?

Except for promotional INQ's - They can see/get EVERYTHING
 
They can however display this data in a different ways- or not at all
they can get scores, they can choose (sometimes must) get just name, address and phone numbers.
Established Contributor

Re: Soft Inquiries - What do they see?

So the answer is.....soft inquiriers can see everything that hard INQ do?
 
-Hards can see everything.
-Timothy just said that Promo Inqs can see everything
-Acct Review Inq must be able to see everything.
 
 
What else is there?   So what is the hard vs. soft difference?
 
 


Message Edited by Boscoe on 04-09-2008 07:11 PM
Moderator Emeritus

Re: Soft Inquiries - What do they see?



Boscoe wrote:
So the answer is.....soft inquiriers can see everything that hard INQ do?
 
-Hards can see everything.
-Timothy just said that Promo Inqs can see everything
-Acct Review Inq must be able to see everything.
 
 
What else is there?   So what is the hard vs. soft difference?

Timothy said that they can see anything EXCEPT for promo INQs.
 
Yes, account reviews can see everything, and hard inquiries can see everything.  Promo inquiries just get name and address only, and perhaps a score, but no specific TL information.

 
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TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Moderator Emeritus

Re: Soft Inquiries - What do they see?

I said EXCEPT promos

Boscoe wrote:
So the answer is.....soft inquiriers can see everything that hard INQ do?
 
-Hards can see everything.
-Timothy just said that Promo Inqs can see everything
-Acct Review Inq must be able to see everything.
 
 
What else is there?   So what is the hard vs. soft difference?
 
 


Message Edited by Boscoe on 04-09-2008 07:11 PM


Senior Contributor

Re: Soft Inquiries - What do they see?

Thanks Timothy! And thanks for verifying cheddar. Smiley Happy
"Never ever, ever be late. Never" (FUTR)
Community Leader
Epic Contributor

Re: Soft Inquiries - What do they see?

When a creditor makes an inquiry, they are attempting to pull as much of your credit history as they are entitled to, not just your score.  Soft inquiries that are not authorized by you for the purpose of seeking new credit do NOT give them your full credit report.  For example, an inquiry made by one seeking to offer you new credit is coded as a PRM inquiry, and only gives them your name and address, not your full credit report.
Moderator Emeritus

Re: Soft Inquiries - What do they see?

PRM=Promotional

RobertEG wrote:
When a creditor makes an inquiry, they are attempting to pull as much of your credit history as they are entitled to, not just your score.  Soft inquiries that are not authorized by you for the purpose of seeking new credit do NOT give them your full credit report.  For example, an inquiry made by one seeking to offer you new credit is coded as a PRM inquiry, and only gives them your name and address, not your full credit report.