I am quite new on this board, but I hear that many creditors pull either a soft inquiry or a hard inquiry to one's reports. What information are the creditors able to view and what are they not able to, which leads to a hard inquiry, of course, with prior applicant's consent? I thank you in advance for your assistance!
12/17/09 FICO EQ 721 TU 623 FAKO EX 711
12/22/09 FICO EQ 760 TU 666 FAKO EX 747
2007 500+ overall score
2010 GOAL: By mid year reach 750-795 on all 3 CBs
If they are an existing creditor (Account Review Soft), then they can see everything.
If it is a promotional prescreening soft, then they get limited data about your "categories" or score range, but not a full detail report.
If they pull soft related to an identification verification (such as some CU's pull soft on membership), they actually get all CR details.