@Anonymous wrote:
@Anonymous wrote:What is a good service that can provide info about soft pulls as well? I am trying to track navy fed soft pulls and AR's.
That's a good question that appears to come up fairly often here. Almost no third-party services (myFICO, credit Check Total, Credit Karma, etc, etc.) give you info on soft pulls. This is because a soft pull is by definition only something that the creditor initiating it and the consumer is allowed to see. A third-party service able to view your soft pulls would have access to information they are not supposed to be able to see (namely all the people who have done soft pulls).
So typically if you want to see your softpull info you have to go through an interface like AnnualCreditReport.com -- which business can't use to pull your credit (only consumers). I haven't heard of any CMS (credit monitoring service) that can pull all three reports and which also has access to softpull data on them. I think there might be one CMS that can do this but it only works for one bureau.
BTW I was thinking some more tonight and I agree that CCT might be a good compromise for you. You'll get one credit report and FICO 8 score monthly for TU and EQ, and you'll get the same thing daily for EX. $15/month may be a good fit for that. When you get to a place where all your negatives have fallen off and your profile is otherwise in great shape, then you can get all your scores at myFICO.z
No third party pull period shows SP's; have to go through the bureau yourself. By regulation that SP's can't be disclosed to anyone except the consumer directly, which rules out all 3rd parties including those that have your express permission for a credit monitoring solution.
