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I checked on both the experian app and website but couldn't find anywhere the list of soft pulls (in either the 3B report via experian or the Experian paid account that shows you all of experian scores Fico 8, 9 etc)
Is there a way to see the soft pulls?
I used to be able to see those in equifax a year ago when they offered a year of free service due to the equifax hack but thats gone now.
Thanks
I'm sure folks will chime in...but I do know this much. annual credit report.com will show you the soft pulls
https://www.annualcreditreport.com/index.action
This report is free, will show all 3 bureaus data, but you can only request once a year for no charge. The bureaus' data is very inclusive and will show the soft (marketing) pulls.
Do you want to know just out of curiousity? SP don't hurt your score and you can't really dispute them. I see on my annual reports who did soft pulls and I don't even know who some of them are. What use will you make out of this information? Perhaps I should be paying more attention to it.
@rbentley wrote:Do you want to know just out of curiousity? SP don't hurt your score and you can't really dispute them. I see on my annual reports who did soft pulls and I don't even know who some of them are. What use will you make out of this information? Perhaps I should be paying more attention to it.
A lender like Amex does regular SP and will use that for CLI decisions. if you know your score is going to improve, it can be beneficial to see when they do their SP. It's a little easier now that they give you access to your FICO and tell you when they made the pull. But the report will show the last dozen or so pulls.
I can see them on the report I get after adverse action. I always check just to see. I was declined for a SP CLI and was able to access my report using experian.com/reportaccess I'm not sure what happens if you say you had adverse action even if you didn't. Might be worth trying.
The very definition of a so-called soft inquiry is that it cannot be included in any credit report that is provided to anyone other than the named consumer.
Most commercial credit reports are produced without regard to who the inquiree might be, and thus usually exclude soft inquiries from their reports as standard business practice, thus enabling them to be sent to anyone.
You need a report that is clearly produced only for the named consumer, and not for anyone else.
The government-sanctioned site at annualcreditreport.com is such a site, as it is ONLY available for a consumer to pull their own credit report.
Thus, reports from annualcreditreport.com will provide record of soft inquiries. Most commercial credit reports will not.