topic Re: Cheapest way to see soft pulls? in General Credit Topics

Cheapest way to see soft pulls?

Anonymous — Sat, 09 Jun 2012 13:20:47 GMT

Anyone know a CMS that shows soft pulls? More curious than anything else...

(Side note, I currently subscribe to USAA CM and understand there's a method there, and that discussing that method is a violation of this forum's policy.)

Re: Cheapest way to see soft pulls?

pizzadude — Sat, 09 Jun 2012 15:41:33 GMT

@Anonymous wrote:
Anyone know a CMS that shows soft pulls? More curious than anything else...

(Side note, I currently subscribe to USAA CM and understand there's a method there, and that discussing that method is a violation of this forum's policy.)

I think you have to pull reports directly from the CRAs in order to see soft pulls......

Re: Cheapest way to see soft pulls?

marty56 — Sat, 09 Jun 2012 19:17:50 GMT

Equifax Gold will give you soft pulls for EQ. It is pricey and the website is slow.

Re: Cheapest way to see soft pulls?

Anonymous — Sun, 10 Jun 2012 01:25:59 GMT

Eq Complete Advantage will let you see soft pulls.

The site runs incredibly slow.

Re: Cheapest way to see soft pulls?

AnaMKMK — Sun, 10 Jun 2012 18:25:58 GMT

Just pulled my Experian report and was surprised to see all the soft pulls listed... Most of my accounts are with Chase and Amex, and it was interesting to see they frequently pull my report, but make no changes to my account!

Re: Cheapest way to see soft pulls?

pizzadude — Sun, 10 Jun 2012 19:27:52 GMT

@AnaMKMK wrote:
Just pulled my Experian report and was surprised to see all the soft pulls listed... Most of my accounts are with Chase and Amex, and it was interesting to see they frequently pull my report, but make no changes to my account!

Yeah some creditors like to close a close eye on your accounts and balances ~ AMEX softs me at least once a month.

Re: Cheapest way to see soft pulls?

Anonymous — Sun, 10 Jun 2012 19:34:19 GMT

Ex seems pretty popular for soft pulls.

Re: Cheapest way to see soft pulls?

marty56 — Sun, 10 Jun 2012 20:16:24 GMT

GEMB likes to soft a lot also.

Re: Cheapest way to see soft pulls?

Anonymous — Mon, 11 Jun 2012 03:26:44 GMT

But, at the end of the day, the only real way to see soft pulls is to get a report direct from CRAs, or from AnnualCreditReport.com?

Re: Cheapest way to see soft pulls?

Anonymous — Tue, 12 Jun 2012 19:54:36 GMT

@Anonymous wrote:
But, at the end of the day, the only real way to see soft pulls is to get a report direct from CRAs, or from AnnualCreditReport.com?

yeah I think so

I just go to EQ Mod Cut. This technique is considered unethical and not allowed to be discussed or advocated. By doing this you are attempting to obtain a service under false pretenses. This thread also talks about the subject.

MarineVietVet, myFICO moderator

Re: Cheapest way to see soft pulls?

SwiftTone — Tue, 12 Jun 2012 17:13:28 GMT

You can use similar techniques for all 3 CRBs

Re: Cheapest way to see soft pulls?

elaine829 — Wed, 13 Jun 2012 00:13:16 GMT

I would think your annual free credit report would be your ceapest way to see soft pulls.

Re: Cheapest way to see soft pulls?

Anonymous — Wed, 13 Jun 2012 01:29:02 GMT

@Anonymous wrote:
@Anonymous wrote:
But, at the end of the day, the only real way to see soft pulls is to get a report direct from CRAs, or from AnnualCreditReport.com?
yeah I think so

I just go to EQ Mod Cut. This technique is considered unethical and not allowed to be discussed or advocated. By doing this you are attempting to obtain a service under false pretenses. This thread also talks about the subject.

MarineVietVet, myFICO moderator

Sorry Marine, I did try to point that out in the OP.

I think I've decided that seeing my soft pulls is not worth the $20 or whatever, I'll stick to USAA monitoring and wait until next year for my freebie. Or, at least wait until my mortgage app reports in a couple of months... That might prove interesting!

Re: Cheapest way to see soft pulls?

Repo-ed — Wed, 13 Jun 2012 01:35:07 GMT

I must have 50+ SPs from USAA

Re: Cheapest way to see soft pulls?

Anonymous — Wed, 13 Jun 2012 01:45:35 GMT

@Repo-ed wrote:
I must have 50+ SPs from USAA

They start falling off at some point, right? Regardless, what's the benefit of seeing soft pulls? To see who's doing account reviews? Potential credit apps? Potential collecion activity?

Trying to see what my hard-earned $20 buys here, that I can't get from MyFico or USAA.

Re: Cheapest way to see soft pulls?

Anonymous — Thu, 14 Jun 2012 08:22:48 GMT

@Anonymous wrote:
@Repo-ed wrote:
I must have 50+ SPs from USAA
They start falling off at some point, right? Regardless, what's the benefit of seeing soft pulls? To see who's doing account reviews? Potential credit apps? Potential collecion activity?

Trying to see what my hard-earned $20 buys here, that I can't get from MyFico or USAA.

Most soft pull based cli do not pull new soft pull when you make cli but use their last soft pull so useful to know what they saw. Also, if you get offer in mail, nice to know if they saw your credit and mailed you offer based on that or your just part of junk mail list.

Re: Cheapest way to see soft pulls?

Anonymous — Thu, 14 Jun 2012 08:24:48 GMT

If I remember correctly, mailed copies of report from bureaus will show softs. Lots of ways to get that.