topic How do you tell a hard from a soft pull? in Understanding FICO® Scoring

How do you tell a hard from a soft pull?

Anonymous — Thu, 29 Jan 2009 20:51:50 GMT

On my experian report there are a BUNCH (20-some) of pulls that "only I see"

These are from CC companies some of whom I have accounts with some of whom I do not

are these all soft pulls?

Then there are 4 that the reposrt says anyone who pulls my report sees (only one is within 12 months)

Re: How do you tell a hard from a soft pull?

Tuscani — Thu, 29 Jan 2009 20:55:41 GMT

Yes, they are soft. Also, myfico.com reports only show hards and only those within the last 12 months.

Re: How do you tell a hard from a soft pull?

Anonymous — Thu, 29 Jan 2009 21:30:54 GMT

does that mean that as far as official FICO scores go, hard inquiries have no influence on the official scores at all after 12 months?

Re: How do you tell a hard from a soft pull?

MidnightVoice — Thu, 29 Jan 2009 21:36:03 GMT

@Anonymous wrote:
does that mean that as far as official FICO scores go, hard inquiries have no influence on the official scores at all after 12 months?

Correct