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EX does not sell reports with soft inquires

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Anonymous
Not applicable

EX does not sell reports with soft inquires

I pay $10 for report and what they gave me as part of their paid services so no soft inquires ,wonder what from annualcreditreport.com
Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: EX does not sell reports with soft inquires

I don't understand what you are saying.

 

A consumer getting their own report is always a soft pull.  No matter where you get it from.

Message 2 of 8
Anonymous
Not applicable

Re: EX does not sell reports with soft inquires

no the credit report looks like I' subscription to paid services it actually part of a 3 bureau merge except naturally I have only have the Ex my complaint the report does not show the creditors who have been soft my report
Message 3 of 8
Anonymous
Not applicable

Re: EX does not sell reports with soft inquires

Oh, I see what you are saying.  That is odd.  I had the Experian triple report and they all showed the soft pulls.

Message 4 of 8
fused
Moderator Emeritus

Re: EX does not sell reports with soft inquires

Maybe this might be an option for you.

 

I'm an Amex cardholder and I subscribe to their credit monitoring service called CreditSecure. Its an EX product, so I can pull all three reports and view all of my soft inqs on EX only. The other two reports I cannot view soft inqs.

Message 5 of 8
smallfry
Senior Contributor

Re: EX does not sell reports with soft inquires

 


@fused wrote:

Maybe this might be an option for you.

 

I'm an Amex cardholder and I subscribe to their credit monitoring service called CreditSecure. Its an EX product, so I can pull all three reports and view all of my soft inqs on EX only. The other two reports I cannot view soft inqs.


Credit Secure is no longer a daily puller for new customers. 

 

Message 6 of 8
fused
Moderator Emeritus

Re: EX does not sell reports with soft inquires

 


@smallfry wrote:

 


@fused wrote:

Maybe this might be an option for you.

 

I'm an Amex cardholder and I subscribe to their credit monitoring service called CreditSecure. Its an EX product, so I can pull all three reports and view all of my soft inqs on EX only. The other two reports I cannot view soft inqs.


Credit Secure is no longer a daily puller for new customers. 

 


True! Its also my understanding that ALL subscribers will be unable to pull daily sometime later this month. That said, you can still see EX softs on CS EX reports.

 

Message 7 of 8
RobertEG
Legendary Contributor

Re: EX does not sell reports with soft inquires

I guess I am a bit confused at what you want to see.

Legally, there is no such thing as a "hard" or "soft" credit pull.  The FCRA never uses those terms.

The distinction is normally, and loosely, based on what FICO has said it does ("hard pull") or does not ("soft pull") score in their scoring calculation.

The only category of so-called soft pull that is regulated by the FCRA are promotional offers for new credit (FCRA 604(c)(2)), and this is a restriction upon how much of your credit file they can access, namely, only your name and address, and thus its coding in your credit file.

The CRA must record each inquiry made, even if made by you for your own credit report, a promotional offer not authorized by you, or a regular account review by an extisting creditor.  They normally must retain all of those records for two years.  FICO has made it clear that such inquiries are not scored when calculating your credit score.  So most credit reports issued to consumers omit these from the reports they sell as having little or no consumer interest..  Do you really want to see all of them?  If so, get  your CR from annualcreditreport.com.

The more relevant problem with so-called "soft pulls" are those inquiries that can be reported under codes that FICO either does or does not consider in their scoring.

For example, you apply for cable TV or a phone, or apply for a credit line increase, or a CA pulls your CR.  All of these inquiries are sanctioned under FCRA 604(a)(3) for full access to your CR.  But the inquiry code reported to the CRA is at the discretion of the inquiree.  If they report a code that FICO scores, it is a "hard" pull.  However if they choose to use a code that FICO does not score, it makes it a so-called "soft" pull.

When anyone who vends a credit report to consumers decides what to include or exclude as relevant inquiries, they must use judgment and discretion.  They are not privy to the inner workings of the FICO scoring algorithms, and thus make educated guesses on what is or is not important to include in their product.

When you order a consuemr credit report, it is always a santitized summary of only portions of your consumer credit file.

 

 

 

 

 

Message 8 of 8
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