topic Re: Credit scores pulled today in General Credit Topics

Credit scores pulled today

Anonymous — Mon, 23 Apr 2012 16:14:00 GMT

Hi,

I just pulled my credit report from this here and i have a 650 on TU and 668 EQ. I want to apply for a good credit card like, Amex, Discover, citi, and i need to know who has been softing me, so how do i view that on myfico credi report?

Re: Credit scores pulled today

MarineVietVet — Mon, 23 Apr 2012 16:15:55 GMT

@Anonymous wrote:
Hi,

I just pulled my credit report from this here and i have a 650 on TU and 668 EQ. I want to apply for a good credit card like, Amex, Discover, citi, and i need to know who has been softing me, so how do i view that on myfico credi report?

You can't unfortunately. You'll have to either pull your full, free reports from annualcreditreport.com or buy them directly from each CRA.

Re: Credit scores pulled today

Anonymous — Mon, 23 Apr 2012 16:18:49 GMT

i see, thank you.

Re: Credit scores pulled today

aussiesareforever — Mon, 23 Apr 2012 16:49:16 GMT

MamboItaliano What you just described is forbidden to be discussed on these forums. I'm sure your post will be edited shortly. The Marine is not wrong. What he describes are the legally accepted ways of viewing your soft pulls.

Re: Credit scores pulled today

MarineVietVet — Mon, 23 Apr 2012 17:32:34 GMT

@daisydvm wrote:
MamboItaliano What you just described is forbidden to be discussed on these forums. I'm sure your post will be edited shortly. The Marine is not wrong. What he describes are the legally accepted ways of viewing your soft pulls.

This is correct. What you suggested is considered unethical and not allowed to be discussed publicly or via PM. Being less than truthful to obtain information that you would not normally be entitled to is what you are advocating. Please review this thread by Lel concerning this subject.

Edited to fix a broken link.

Re: Credit scores pulled today

Anonymous — Mon, 23 Apr 2012 17:20:57 GMT

Oh. Sorry about that. I didn't realize that was considered to be in the "taboo" category.

Without mentioning it the process in my question here, haven't you already purchased a report via MyFico and are entitled to use it for such purposes? That is the part I don't understand regarding the ethics of it all.

Re: Credit scores pulled today

MarineVietVet — Mon, 23 Apr 2012 17:41:16 GMT

@Anonymous wrote:
Oh. Sorry about that. I didn't realize that was considered to be in the "taboo" category.

Without mentioning it the process in my question here, haven't you already purchased a report via MyFico and are entitled to use it for such purposes? That is the part I don't understand regarding the ethics of it all.

Let me quote part of what you wrote: Begin the process of disputing your credit (you are not going to be disputing anything).

When you read the thread by Lel (You did read it correct?) one of the things that is prohibited for posting is suggesting or advocating: Obtaining goods or services - such as one's credit report - under false pretenses

Don't you consider that telling someone Begin the process of disputing your credit (you are not going to be disputing anything). is an attempt to obtain services under false pretenses?

Re: Credit scores pulled today

Anonymous — Mon, 23 Apr 2012 17:55:37 GMT

I see what you are saying, but I disagree with your perspective. I'm curious what you think following this statement.

First off, my own words "begin the process" are a bit of a misnomer. You don't actually begin the process until you've submitted a dispute. I mean, if we want to, we can always say that beginning the process starts when you pull your report in the first place. Yes, I am splitting hairs here, but it leads to my second point.

My second point is that you have a better perspective of each account within that file review area. I can see my entire history on an account as opposed to just the last two years. I consider this "area" to be the spot you do, in fact, go to review each file. If MyFico gives you access to it after you've purchased a report, I simply don't understand how something you have access to that you paid for can be considered unethical. They even say "Find and dispute errors on your credit report." The "Find ... errors on your credit and," implies that they expect you to enter that area and LOOK for (hence: find) and dispute (separate commands suggesting more than one reason to go in there).

And, understand, I am discussing/debating this because I am trying to see what the correct perspective is, even if I disagree with what that eventually may be.

Re: Credit scores pulled today

MarineVietVet — Mon, 23 Apr 2012 18:18:34 GMT

We can agree to disagree but IMO what I said I stand by. I have no problem with legitimate disputes but to pretend that you are going to dispute (with no intention of doing so) in order to see something else is not appropriate and the will not be allowed to be discussed.

If you feel I'm being unfair or perhaps too strict you are more than welcome (as are all members) to contact an administartor of this site and voice your concerns.

Re: Credit scores pulled today

Revelate — Mon, 23 Apr 2012 18:47:03 GMT

@Anonymous wrote:
Hi,

I just pulled my credit report from this here and i have a 650 on TU and 668 EQ. I want to apply for a good credit card like, Amex, Discover, citi, and i need to know who has been softing me, so how do i view that on myfico credi report?

Somewhat tangential to the question, but perhaps I'm missing something: why is it important to see who's been performing soft inquiries on you when it comes to getting another credit card?

Re: Credit scores pulled today

Anonymous — Mon, 23 Apr 2012 19:00:29 GMT

No, not at all. I'm a rank and file guy and I won't discuss it if that's your call. It never was my intention to discuss it further and it certainly never occurred to me to contact an admin.

I am a fan of healthy discussion, that's all. Hope you didn't take it to be more than that.

Re: Credit scores pulled today

MarineVietVet — Mon, 23 Apr 2012 19:18:07 GMT

@Anonymous wrote:
No, not at all. I'm a rank and file guy and I won't discuss it if that's your call. It never was my intention to discuss it further and it certainly never occurred to me to contact an admin.

I am a fan of healthy discussion, that's all. Hope you didn't take it to be more than that.

I enjoy a lively and respectable back and forth.

But I certainly don't have the final call on any decision around here. I'm just a volunteer trying to learn all I can like everyone else. As I said you are welcome to contact other people and state your case.