Hard pull to check my credit

[Junejer]

Jacred, aside from myfico and transunioncs (for TU only) where else are you going to get your FICO scores? These two places do not require a hard INQ.

Please tell me where else you can get FICOs without a hard INQ. I am truly open to know this.

[Anonymous]

I don't know where to pull FICO scores other than TUcs and myFico, but pulls for SELF perusal MUST BE soft. Otherwise sue. Period.

[Anonymous]

Who would I sue, the company reporting? I just called them and had to leave a message. I will update when I have new information to report. Thanks!

[Junejer]

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demed wrote:

I don't know where to pull FICO scores other than TUcs and myFico, but pulls for SELF perusal MUST BE soft. Otherwise sue. Period.

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This wasn't for self-perusal, it was for qualifying for the program. Unfortunately, and this happens a lot, the company didn't let them know that they were pulling their credit report.

[Anonymous]

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@Junejer wrote:

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@Anonymous wrote:

I don't know where to pull FICO scores other than TUcs and myFico, but pulls for SELF perusal MUST BE soft. Otherwise sue. Period.

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This wasn't for self-perusal, it was for qualifying for the program. Unfortunately, and this happens a lot, the company didn't let them know that they were pulling their credit report.

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I don't think the pull was to qualify; the reports were pulled nearly a month after the seminar.  And even if they were, this was never stated.  They made it sound like the reports would be pulled for self perusal, so we'd know what was in them.  No one was applying for a mortgage at the time, and they never said to me that I'd qualify for a mortgage of any amount, like mortgage lenders do when they pull.

I have not heard back from CSC yet.

Message Edited by Mike14 on 11-17-2008 03:45 PM

[Anonymous]

A month after the seminar... It sounds fishy. I would call them and understand why THEY think it was permissible to add that inquiry - I would escalate to an office manager\supervisor, and take names down. Sometimes it's a genuine error and they will recode of if they understand they might be headed for litigation. 

[Junejer]

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Mike14 wrote:

So back in June, I attended a First-Time Home Buyers Seminar from Consumer Credit Counseling Service of Delaware Valley.  I went mainly for the $25 money order everyone got, but I was also intrigued bu the "tri-merged credit report with three credit scores" they were also going to give me.  

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Not to beat a dead horse, but this to me says that you are qualifying or at least pre-qualifying for a program.  Again, unfortunately, I think that a lot of pullers don't tell consumers that they are pulling hard.  I know a lot of mortgage brokers that run these types of seminars and the prospective buyers don't have a clue that they are pulling hard, because they don't know how it works.  That said, they are 100% wrong for not being forthright and a month after the fact?  Something is rotten, I agree. 

[Anonymous]

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@Junejer wrote:
Jacred, aside from myfico and transunioncs (for TU only) where else are you going to get your FICO scores? These two places do not require a hard INQ.

Please tell me where else you can get FICOs without a hard INQ. I am truly open to know this.

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I think that's a really bizarre way to look at it - if you are applying for credit, the company you are applying with will buy your FICOscores.  But THEY are the ones requesting the scores, you are not getting the scores yourself.  Sure, they may share the scores with you, but that's really a side event - the application for credit is the main event.  The fact that you are applying for credit results in the hard inquiry, not the fact that you are checking scores in and of itself.

As noted in other posts on here, there are credit unions and other financial institutions that will provide free FICO scores, and I haven't heard anything about them doing hard pulls in the process.

[Junejer]

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jacred wrote:

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@Junejer wrote:
Jacred, aside from myfico and transunioncs (for TU only) where else are you going to get your FICO scores? These two places do not require a hard INQ.

Please tell me where else you can get FICOs without a hard INQ. I am truly open to know this.

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I think that's a really bizarre way to look at it - if you are applying for credit, the company you are applying with will buy your FICOscores.  But THEY are the ones requesting the scores, you are not getting the scores yourself.  Sure, they may share the scores with you, but that's really a side event - the application for credit is the main event.  The fact that you are applying for credit results in the hard inquiry, not the fact that you are checking scores in and of itself.

As noted in other posts on here, there are credit unions and other financial institutions that will provide free FICO scores, and I haven't heard anything about them doing hard pulls in the process.

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Jacred, I think you misunderstand me.  Trust me, I totally get how the INQ system works and what causes a hard vs soft INQ.

If the consumer pays for the reports through the sources mentioned, then it doesn't cost a hard INQ.  If you want your FICOs from another source outside of those (and, I get the CUs and WaMu doing it and all), then it's going to cost you a hard INQ. There is just no way around this.  The point is, if a company is saying that they are going to provide you with your FICO scores, get ready for a hard INQ.