Soft Pulls

[Anonymous]

Can someone tell me if the only way to get a list of "soft pulls" is by pulling your actual CR directly from EX, EQ and TU?  And if so, do you get those reports just by paying the $9 or whatever?  I've only have the annual credit report (which did include the soft pulls) and/or TC (which doesn't).  Thanks

[Junejer]

You are correct about the soft pulls from the CRA directly. You can obtain it at annualcreditreport.com. You can get one free report per year, other than that, you have to pay that fee.

[Anonymous]

I'm not qualified for another free report until May, but I really don't want to wait that long. So before I paid the fee to pull my report, I just wanted to make sure that the soft pulls were part of the deal.    Thanks so much.

[ElBarrbaro]

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@Anonymous wrote:
Can someone tell me if the only way to get a list of "soft pulls" is by pulling your actual CR directly from EX, EQ and TU?  And if so, do you get those reports just by paying the $9 or whatever?  I've only have the annual credit report (which did include the soft pulls) and/or TC (which doesn't).  Thanks

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Ive also been wondering about this.  I here people on here talking about checking sof pulls on there report for example on Experian, but i get thei monitoring and got my CR and no where does it list inquiries only i can see or anything remotely similiar, the only thing i see is "inquiries" with no distinction either way.  Equifax on the other hand does list "inquiries that do not affect my credit" or something to that effect...

[RobertEG]

The very definition of a sodt pull is that it cannot be viewed by anyone other than the consumer.

Most vendors of commercial reports are cheap or lazy, not wishing to produce two separeate types of reports.... one for consumption by only the consumer, and antoher for alll others.  Easier to produce only a report that excludes soft pulls, and thus it can be sold to anyone.

[takeshi74]

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@ElBarrbaro wrote:

Ive also been wondering about this.  I here people on here talking about checking sof pulls on there report for example on Experian, but i get thei monitoring and got my CR and no where does it list inquiries only i can see or anything remotely similiar, the only thing i see is "inquiries" with no distinction either way.

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The monitoring services may not provide SP's even if the service is from a CRA.

[EW800]

Here is how I get my SP info, as I like to see who isbdoing AR's on me...

Eq: I subscribe to Equifax's monthly service, which allows for a credit report pull each day (scores are FAKO). These Equifax reports do show SP's.

TU: {Edited-MarineVietVet, myFICO moderator}

Exp: I have not yet figured out how to their SP's other than purchasing a full report from them. None of the services that I subscribe to, such as MPM and Amex Credit Secure, show SP's. Anyone know how to get Exp SP's without buying a new report from them? I even tried Experians Credit Tracker for a seven day trial, but it didn't show SP's.

[Anonymous]

I do a dispute. But not submit it. It shows soft pulls on it. So I can go in and look to see who's looking at my credit report. You can actually see most of your credit report this way minus the score.

[Anonymous]

So you're saying you do an online dispute, and are somehow able to view the report without further action?  I've never done one, so I'm not sure how this works.

[Anonymous]

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@Anonymous wrote:

So you're saying you do an online dispute, and are somehow able to view the report without further action?  I've never done one, so I'm not sure how this works.

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Correct...it will populate all the inquires. Soft and hard inq