Hmm, for experian and transunion I usually use creditkarma (TU), creditsesame (EX), credit.com (EX), and quizzle (EX). however, you can't find the softs on them unless you get your annualcreditreport.com, in which you can review your experian with the same code they give you for a while! Equifax you can go to "dispute info" and either type in your current confirmation # or just fill out your information and answer a few security questions! from there, you can review all your information, including soft pulls!

EQ FICO 730 Credit Karma (TU) 5/6/13 763 Transrisk 5/14/13 849/990 CreditSesame (EX) 5/8/13 779 Credit.com (EX) 5/7/13 758/900 FICO Estimate 760 Vantage Estimate 832/990

If you got approved for the card they did a HP on a bureau, and you have the right to check your report within 60 days for free(In case of adverse action).

They pulled EX for my  two Blue cards, their adress is http://www.experian.com/reportaccess/   

Google up the address for the bureau you need. I saw mine SP it says AMEX Account review 30 days from opening so far.....

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

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Starting Score: 580
Current Score: 747
Goal Score: 800+

Take the FICO Fitness Challenge

https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIRESELLER&rid=R045

For EXP

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Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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ukimafija wrote:

If you got approved for the card they did a HP on a bureau, and you have the right to check your report within 60 days for free(In case of adverse action).

They pulled EX for my  two Blue cards, their adress is http://www.experian.com/reportaccess/   

Google up the address for the bureau you need. I saw mine SP it says AMEX Account review 30 days from opening so far.....

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Question - if you do this, it doesn't count as your free annual credit report (from annualcreditreport.com), right?

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Repo-ed wrote:
no

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Thanks!

So basically no monitoring product lets you know if you have been soft pulled or not? Basically I just want to see Amex softing me for 61 days 3x CLI..

Edit: I see - so I go to EX and say I had AA and get my free report right before 60 days basically?

Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

I believe you can request a copy of your credit report 30-45 days (may be 60 days) after approval/denial without it affecting your yearly report. From what I understand it is in case you didn't get the best rates then you have a right to know why and since most of the time people don't get the best rates they have a free report.

1) You can request the report online a few days before you actually need it citing adverse action/didn't got the best rate and there you can see the SPs and dates they were made on.

2) If you haven't requested your yearly report you can do so now and see the information as well.