Where do you find soft pulls?

[Longroad]

When you look up your credit reports all of the inquiries are listed by date and who pulled, but where do you find the soft pull lists on the various reports? There must be a way as it seems that members are always posting that they have been SP by someone. Thanks for the help

[myjourney]

INQ's seen only by you heading and you won't see them by a third party credit report 

[someg33k]

Pull your reports directliy from each burea if you want to see the soft pulls. Using myFICO  or any others wont help you.

[ddemari]

I have an Equifax.com membership, you can see soft pulls there and refresh daily if wanted.

[Longroad]

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@ddemari wrote:
I have an Equifax.com membership, you can see soft pulls there and refresh daily if wanted.

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If you subscribe to get all 3 reports on EQ will EX and TU also show the soft pulls?

[azguy13]

I love seeing who is SP'ing me. For some reason, lingerie stores love to SP me. I dont have the heart to tell them I am a male. 

[mitchblue]

Anyway to see SP's without paying someone? Not worth it to me if I have to pay. Thanks.

[Anonymous]

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@mitchblue wrote:

Anyway to see SP's without paying someone? Not worth it to me if I have to pay. Thanks.

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Hi MitchBlue!  As you may have seen earlier in the thread, you can see your SPs by pulling your full credit report, but not via a commercial third-party company (e.g. myFICO, Credit Karma, etc.).  The most straightforward cost-free method is to do it through ACR (annualCreditReport.com).  You can get one free report from each bureau there per year.

If you live in certain states you can some extra free reports each year, by applying directly to the bureau in question.  In Georgia, for example, residents are entitled to two additional free reports per year (beyond the one from ACR).

Another advantage of pulling your full credit report is that you will get to see up to a 30-month history all of your monthly balances (and payments) for your credit cards.  I use Karma for my reports mostly, but it doesn't show me that. 

[mitchblue]

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@Anonymous wrote:

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@mitchblue wrote:

Anyway to see SP's without paying someone? Not worth it to me if I have to pay. Thanks.

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Hi MitchBlue!  As you may have seen earlier in the thread, you can see your SPs by pulling your full credit report, but not via a commercial third-party company (e.g. myFICO, Credit Karma, etc.).  The most straightforward cost-free method is to do it through ACR (annualCreditReport.com).  You can get one free report from each bureau there per year.

If you live in certain states you can some extra free reports each year, by applying directly to the bureau in question.  In Georgia, for example, residents are entitled to two additional free reports per year (beyond the one from ACR).

Another advantage of pulling your full credit report is that you will get to see up to a 30-month history all of your monthly balances (and payments) for your credit cards.  I use Karma for my reports mostly, but it doesn't show me that. 

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Thank you, I appreciate that. I keep on forgetting ACR.

[Anonymous]

Sure thing, MitchBlue. 

One final thought.  My preference, when using ACR, is to save EX for real emergency needs.  The reason is that pulling your EQ or TU report at ACR doesn't really prevent you from seeing most of your reports at those two bureaus, now that we have Karma offering practically unlimited report pulls.  So if you want to get a periodic handle on what your softpulls look like, you may want to alternate EQ and TU every six months and leave EX for rare situations. 

And also, as I said earlier, you may be lucky enough to live in a state that permits extra free reports.  Last I heard they were Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.