Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: Confusion over hard vs soft pulls when checking your own credit

Checking your own credit score is always a soft pull when you pull it yourself. Some credit reports have move information than others. Your Fico reports have more analysis features, annual free credit or a directly pulled personal report from a credit bureau will often show more detail like DOFD and specifically say when a collection or arrears account will fall off or go to a positive status. Just depends on what infor you need. I always suggest a direct pull from a cra agency when trying to find out as much information as possible to see where your foundation/starting point is for improvement.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience