How do you get your "soft" pulls?

[Anonymous]

This might seem like a dumb question, but how do you guys get your soft pulls?

I bought my reports and scores on here and they aren't in there. What do you guys use to track these?

[improvingmycredit]

Hey LilloEsquillo!   I get mine from purchasing my actual report from the CRAs.  Sucks to have to to it that way but that's how I have gotten mine.  There are a few Credit Unions that can provide you with that info if you use their monitoring service but I don't remember which ones.  Just remember seeing people mention on here that they have gained access to them via their service.  If you haven't gotten your annual free credit reports, you can access to all information on your reports that way too.

[Anonymous]

Thank y ou improving, much appreciated!

[Anonymous]

You can see them on your free annual credit report from each CRA. Or if you were denied credit for example and pulled your free report directly from the CRA.

[Chris123nTx]

I have the experian credit monitoring service and on there anyway, you can pull up your credit report every day if you want. They only show hard pulls Mod Cut
I have about three different amex groups that seem to soft me every few weeks. No rhyme nor reason for that but....i do like being able to see who and when as far as softs go.

[Anonymous]

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@Anonymous wrote:

This might seem like a dumb question, but how do you guys get your soft pulls?

I bought my reports and scores on here and they aren't in there. What do you guys use to track these?

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Hi Lillo,

You get sign up for a free thirty (30) day trial of Equifax Complete Premier Plan and refresh your credit report every day. These reports show both hard and soft credit pulls.

Go to www.online-calculator and click on banner icon for your free trial and then cancel prior to your billing day if you don't want to pay.

[RobertEG]

Free, once a year, at annualcreditreport.com. 

The government-sanctioned site for your free annual credit reports.  Staggered between the three CRAs, a good snapshot every four months.

[MattH]

Yep the free annual report is where I get my softs.  Odd that Wells Fargo does regular soft pulls on my history: the only relationship my wife and I have with WF is a mortgage.  It's fixed-rate so even if WF were to learn from one of those soft pulls that my credit had suddenly gone bad all they could do is hope my wife and I keep paying them.

[RobertEG]

They may be softing to evaluate you for potential promotional offers for credit.  Or maybe they are preparing to sell part of their portfolio.