@llecs wrote:I have softs on all 3. With EX, I get the full reports for free due to being a subscriber with CCT. If you click the "dispute" button, even without disputing, you get a free full report from EX that shows softs, the full 7-yr history, demographics, etc. Also, pre-CCT, I would just order a new EX report from experian.com and that would show the softs. It was always a challenge finding the link though. Per TU, I have found the link to purchase a report in the past, but lately I can't find it at all. They always try to pass TC as the end-all for my report woes. However, if you dispute, and again you don't have to dispute, you'll get a free report with all the softs.
I had so much fun (and almost a heart attack) this morning pursuing this. Had tried that only once before at some early point for just one CRA for one of us, a rather murky experience which I had almost succesfully succeded in repressing. So here you come and bring back the entire nightmare. Thank you very much. 
Today I did such halfway disputes for all three CRAs for both of us, at a minimal cost (2 x $10 for the EX credit reports).
My objective was twofold: 1) which CRAs did Discover hard pull for DW's new card, and 2) has my car insurance company soft pulled any of the CRAs?
1) Apparently EQ only. Surprised they didn't also pull TU.
2) Apparently not. Only one close is a week after payment.