topic Re: Experian SP for "COURT"? in General Credit Topics

Experian SP for "COURT"?

SMB85 — Sun, 08 May 2022 19:30:03 GMT

I was taking a look at my Experian soft pulls, as I try to do on a regular basis, and noticed one called "COURT." What's odd is there's no address listed or any other information, and the dates on the soft pulls correspond with the last few hard inquiries over the past year or so. No liens, collections, open litigation, etc.

Has anyone seen anything like this? I could only find a few references searching online for this and apparently Experian doesn't even know what it is.

Re: Experian SP for "COURT"?

TattnallTrio — Sun, 08 May 2022 21:24:42 GMT

I wouldn't know but I'm curious how I can see my Experian soft pulls? I have the Experian App and $22.99/month membership where I can lock and unlock my Experian report.
I can see my soft pulls on MyEquifax. I haven't figured out how to on TransUnion either.

Re: Experian SP for "COURT"?

CloudyWeather1331 — Mon, 09 May 2022 00:50:17 GMT

@TattnallTrio wrote:
I wouldn't know but I'm curious how I can see my Experian soft pulls? I have the Experian App and $22.99/month membership where I can lock and unlock my Experian report.
I can see my soft pulls on MyEquifax. I haven't figured out how to on TransUnion either.

You can go to annualcreditreport.com and look over your soft pulls there.

Re: Experian SP for "COURT"?

DSTforlife — Mon, 09 May 2022 16:49:43 GMT

i noticed the same thing when I pulled my reports last week. For, I noticed the dates correlates to my HELOC application. I applied to two places and this soft pull had 2 dates.

that's the only thing I can think of...I don't have any unpaid/outstanding issues.

Re: Experian SP for "COURT"?

SMB85 — Tue, 14 Jun 2022 13:57:29 GMT

I had a hard inquiry yesterday as part of a CC app. This morning I check the Experian SPs and sure enough -- the mysterious "COURT" (No address) shows a fresh soft pull with yesterday's date.

Seeing more and more buzz about this mysterious soft pull source. Is it an Experian glitch? Could it be someone monitoring for pulls or activity on a profile and thereby getting a fresh soft pull? (e.g., like how CAs can 'subscribe' to alerts when a person's profile does something to interest them like a fresh HP)

Re: Experian SP for "COURT"?

jetcat12 — Sat, 18 Jun 2022 19:58:47 GMT

Noticed this COURT soft pull, too. Directly correlates to a mortgage application I submitted 9 June 22.

I don't even know what to think or where to begin hypothisizing how the two are related? Judgements? Liens? Glitch *as another mentioned?

Re: Experian SP for "COURT"?

DSTforlife — Mon, 20 Jun 2022 13:04:30 GMT

I'm assuming the title company does a soft pull as a part of their title search work.

i'm sure i'm wrong, but i'm gonna roll with it until I find out otherwise.

Re: Experian SP for "COURT"?

SMB85 — Mon, 20 Jun 2022 14:50:23 GMT

The only thing that I can think is that it's some sort of data glitch. Apparently Experian acquired a company called "Court Ventures" back around 2011-2012 that "sources, aggregates, repackages and distributes public record data, obtained from over 1,400 state and county sources." I'm wondering if some of Court Venture's technology got integrated into the Experian back-end and certain events trigger them to 'refresh' their data sources (e.g., a hard inquiry triggers the 'Court' software to check for other public records, etc).

Just a thought, but about the only thing I can come up with absent an official or more informed answer.

Source: https://www.experianplc.com/media/latest-news/2012/09-03-2012/

Re: Experian SP for "COURT"?

rosepatriot — Mon, 07 Nov 2022 15:36:21 GMT

It stands for courtesy! It's a soft pull before a hard pull. If you notice each time you apply for a major purchase or apply for a credit card it will do a courtesy pull or soft pull and will be listed under COURT. It freaked me out when I seen it and made many calls to clarify this. Hope this helps!

Re: Experian SP for "COURT"?

Anonymous — Mon, 07 Nov 2022 22:25:03 GMT

@rosepatriot wrote:
It stands for courtesy! It's a soft pull before a hard pull. If you notice each time you apply for a major purchase or apply for a credit card it will do a courtesy pull or soft pull and will be listed under COURT. It freaked me out when I seen it and made many calls to clarify this. Hope this helps!

Nice. From the time that extra characters were oh so expensive! Pity that they didn't use CRTSY or something to avoid people here getting too freaked! (They would still ask what it meant, but wouldn't worry about a court action)

Re: Experian SP for "COURT"?

rosepatriot — Tue, 08 Nov 2022 19:01:53 GMT

Probably some clown that works for Experian that likes freaking others out for kicks. Maybe somebody will sue them for mental anguish. Court would alert anyone.

Re: Experian SP for "COURT"?

SMB85 — Tue, 15 Nov 2022 20:18:07 GMT

@rosepatriot wrote:
It stands for courtesy! It's a soft pull before a hard pull. If you notice each time you apply for a major purchase or apply for a credit card it will do a courtesy pull or soft pull and will be listed under COURT. It freaked me out when I seen it and made many calls to clarify this. Hope this helps!

That's exactly what I've been noticing. Phew... Thanks for helping us all get to the bottom of it!

Re: Experian SP for "COURT"?

Itgem679 — Tue, 15 Nov 2022 20:45:39 GMT

Thank you for speaking up!

Re: Experian SP for "COURT"?

Chelbell — Wed, 04 Oct 2023 00:48:21 GMT

I found out that the dates on my soft inquiry directly coordinates with the dates that I purchased a gun. It appears that they are running background checks to maintain identity verification.

Re: Experian SP for "COURT"?

northway — Fri, 20 Oct 2023 14:36:47 GMT

@Chelbell wrote:
I found out that the dates on my soft inquiry directly coordinates with the dates that I purchased a gun. It appears that they are running background checks to maintain identity verification.

That has absolutely nothing to do with it. NICS checks don't touch your credit report at all.

Re: Experian SP for "COURT"?

Seanwhale — Mon, 30 Oct 2023 17:34:58 GMT

Thanks. It freaks me out. It does correlate with the hard pulls when I applied for the Wells Fargo and Chase credit cards

Re: Experian SP for "COURT"?

Seanwhale — Mon, 30 Oct 2023 17:41:10 GMT

help center-file a dispute-start a new dispute-inquiries-Soft inquiries

Re: Experian SP for "COURT"?

rosepatriot — Mon, 30 Oct 2023 21:58:53 GMT

Your welcome! Someone at Experian likes messing with people!