Re: Equifax says myFICO is a hard inquiry but...
11-14-2012 01:07 AM
The true test of a so-called hard inquiry is whether others can see it, not the consumer.
If you obtain access to a credit report pulled by a creditor, for example, it should not show.
The same applies when a CRA generates a score using the FICO algorithm. Those coded so that others dont see them are also excluded from scoring in the FICO algorithm.