topic Re: Is a lender able to see soft pulls in a credit score? in General Credit Topics

Is a lender able to see soft pulls in a credit score?

Fernando1 — Mon, 12 Dec 2022 13:12:35 GMT

I'm new to the world of American credit reporting and I still have some questions.

I know hard pulls received in your credit report will be visible to anyone querying your date, and besides will hurt your score.

But in the case of receiving several soft pulls for applying pre-qualify credit cards, does a lender have access to the amount of soft pulls received or do we only have access to this data?

Re: Is a lender able to see soft pulls in a credit score?

GZG — Mon, 12 Dec 2022 13:26:11 GMT

@Fernando1 wrote:
I'm new to the world of American credit reporting and I still have some questions.
I know hard pulls received in your credit report will be visible to anyone querying your date, and besides will hurt your score.
But in the case of receiving several soft pulls for applying pre-qualify credit cards, does a lender have access to the amount of soft pulls received or do we only have access to this data?

they're only seen by you

Re: Is a lender able to see soft pulls in a credit score?

sarge12 — Mon, 12 Dec 2022 14:45:33 GMT

@GZG wrote:
@Fernando1 wrote:
I'm new to the world of American credit reporting and I still have some questions.
I know hard pulls received in your credit report will be visible to anyone querying your date, and besides will hurt your score.
But in the case of receiving several soft pulls for applying pre-qualify credit cards, does a lender have access to the amount of soft pulls received or do we only have access to this data?

they're only seen by you

Would that not be the case if a full credit report is pulled? I know a soft inquerie is not going to cost points, but I thought a full credit report would be seeable by a lender. I am almost certain the full 3B reports obtained by mortgage lenders has these soft pulls listed, or at least used to. Credit card issuers do not get the more detailed reports, but it seems like I remember them being on my mortgage pulls.

Re: Is a lender able to see soft pulls in a credit score?

FinStar — Thu, 15 Dec 2022 03:54:57 GMT

@sarge12 wrote:
@GZG wrote:
@Fernando1 wrote:
I'm new to the world of American credit reporting and I still have some questions.
I know hard pulls received in your credit report will be visible to anyone querying your date, and besides will hurt your score.
But in the case of receiving several soft pulls for applying pre-qualify credit cards, does a lender have access to the amount of soft pulls received or do we only have access to this data?

they're only seen by you

Would that not be the case if a full credit report is pulled? I know a soft inquerie is not going to cost points, but I thought a full credit report would be seeable by a lender. I am almost certain the full 3B reports obtained by mortgage lenders has these soft pulls listed, or at least used to. Credit card issuers do not get the more detailed reports, but it seems like I remember them being on my mortgage pulls.

Nope, I think you're conflating things @sarge12. Any lender CC or otherwise that obtains a full credit report is able to view everything, except SPs. As far as mortgage lenders, not unless you supplied your own personal hard copies or online reports to them for viewing.