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Capital One Softs Routinely?

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LS2982
Mega Contributor

Re: Capital One Softs Routinely?

 


@Scuba wrote:

I disputed a wrong account on my report and when they sent me an email to view the results of their investigation, it gave me a chance to look at my entire "real" CR.  Nice, but I won't do that again.   


I got the same thing from EX but didnt notice anything about soft pulls (wasn't exactly looking for it) Smiley Very Happy but i didnt see it

 




EQ FICO 548 3/3/16
Message 11 of 25
MarineVietVet
Moderator Emeritus

Re: Capital One Softs Routinely?


@LS2982 wrote:

 

I have monthly subscriptions to all 3 CB's and myFICO but i dont see anywhere where I can see soft pulls

 


Third party sites like myFICO or a 3 in 1 monitoring service won't show the soft pulls. Only direct pulls through annualcreditreport.com or the CRA's will show them.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 12 of 25
LS2982
Mega Contributor

Re: Capital One Softs Routinely?

 


@MarineVietVet wrote:

@LS2982 wrote:

 

I have monthly subscriptions to all 3 CB's and myFICO but i dont see anywhere where I can see soft pulls

 


Third party sites like myFICO or a 3 in 1 monitoring service won't show the soft pulls. Only direct pulls through annualcreditreport.com or the CRA's will show them.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

 




EQ FICO 548 3/3/16
Message 13 of 25
CS800
Super Contributor

Re: Capital One Softs Routinely?

I have noticed that they soft me on my card every month also. I havent received a CLI from them in 2 years and my scredit score has increased by about 60 points since I applied for the card. Called at least twice last year but no increase.

 

 




Message 14 of 25
MarineVietVet
Moderator Emeritus

Re: Capital One Softs Routinely?


@LS2982 wrote:

 

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

 


Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

 

What monthly CMS (Credit Monotoring Service) do you have?

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 15 of 25
LS2982
Mega Contributor

Re: Capital One Softs Routinely?

 


@MarineVietVet wrote:

@LS2982 wrote:

 

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

 


Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

 

What monthly CMS (Credit Monotoring Service) do you have?

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


 

I have:

 

TU Truecredit

EQ Complete

EX freecreditreport.com monthly sub.

myFICO Scorewatch

 

I think I seen my soft pulls on EQ just now. Hey would you know how much EQ and TU FICO pulls are if you have the scorewatch subscription?




EQ FICO 548 3/3/16
Message 16 of 25
vish1
Valued Contributor

Re: Capital One Softs Routinely?

 


@MarineVietVet wrote:

@LS2982 wrote:

 

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

 


Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

 

What monthly CMS (Credit Monotoring Service) do you have?

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


 

Something to try for the OP:

I don't know if it works in all cases, but you may be able to call and get a hard copy of your CR if the online option is not helping. I was unable to get my Equifax online saying they cant verify my Identity. I called up the automated system and got the hard copy in about a week. They (CRAs) dun worry too much about identity when you request a hard copy as it goes to your known good mailing address, while the online report is more risky.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 17 of 25
MarineVietVet
Moderator Emeritus

Re: Capital One Softs Routinely?


@LS2982 wrote:

 

 

I have:

 

TU Truecredit

EQ Complete

EX freecreditreport.com monthly sub.

myFICO Scorewatch

 

I think I seen my soft pulls on EQ just now. Hey would you know how much EQ and TU FICO pulls are if you have the scorewatch subscription?


If so then it wouldn't be the first time i was incorrect about something.  Smiley Happy  I may have been under the mistaken impression that only full CR's will have the softs but I might have spoken out of turn. If I misled you I apologize.

 

And I don't quite understand what you are asking about concerning the EQ and TU pulls.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 18 of 25
haulingthescoreup
Moderator Emerita

Re: Capital One Softs Routinely?

EQ Complete is a full report.

 

OK, well, I think it is.

 

I have EQ CreditWatch Gold, and that's a full report.

 

* goes off in confusion over the multiplicity of EQ products these days *

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 19 of 25
LS2982
Mega Contributor

Re: Capital One Softs Routinely?

 


@haulingthescoreup wrote:

EQ Complete is a full report.

 

OK, well, I think it is.

 

I have EQ CreditWatch Gold, and that's a full report.

 

* goes off in confusion over the multiplicity of EQ products these days *


I'm confused myself over EQ's products. Too many. I got too many subscriptions as it is Smiley Very Happy

 




EQ FICO 548 3/3/16
Message 20 of 25
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