Who says credit unions don't soft pull check credit reports? I'd be willing to bet that when Navy Federal and PenFed provide me with my scores they take a little looksee at it themselves. I'm pretty sure that's where they get the data to process soft pull credit limit increases and special offers.
Never have seen a sp from either Navy or PenFed unless I've applied with them. Then I've seen a sp on other reports. Other than those times, never. Been dealing with them now for about 4 years each.
if i lend someone money, i'd the same and check up on them frequently too
To make sure you are not maxing out credit lines. If your credit card company notices you are near the limit with other lenders than they might lower your credit limit to protect the interest of the bank. Remember banks aren't your friends, for profit only!😂