Is this type of behavior normal…?
So I just looked over my Experian report and noticed that 90% of all my creditors have been pulling a soft pull on me since the day the account was open! Is this the norm for everyone or is it just me?!
Categories: General Credit Tags: account, been-pulling, creditors, experian, norm, since-the-day, soft-pull
Hard Pulls vs. Soft Pulls
Amex requires a soft pull for a CLI. Discover requires a hard pull for a CLI. What do some other banks require - Chase, Capital One, Citi, PenFed, etc.?
Categories: General Credit Tags: bank-get, Banks, banks-require, capital, customer, Discover, exact, hard-pull, soft-pull
Will opening an "option trading account" result in a credit pull?
If so, will the inquiry be a hard or soft pull? I have a brokerage account with scottrade right now and I would like to open an option trading account if it does not result in a hard pull of my credit report.
Categories: General Credit Tags: brokerage-account, Credit, does-not, hard-or-soft, hard-pull, inquiry, option-trading, right-now, soft-pull, will-the-inquiry
Anyone have experience with Prosper Lately?
They just changed criteria guidelines and interest rates, wondering if that made it better or worse for people getting approved at reasonable rates. They also have to be like the only lender that uses an EX Plus Score off a soft pull to establish your rate and how much you can ask for
Categories: General Credit Tags: approved-at-reasonable, how-much, made-it-better, only-lender, people-getting, rate, score, soft-pull
Hard Pull Vs Soft Pull Criteria
I'm having a battle with Sprint/Nextel over a hard credit pull on my credit report. When I purchased a new cell phone/service I specifically asked if they did a hard pull vs soft pull and the office manager said they would only do a soft pull. Well I discovered they did a hard pull.
Categories: General Credit Tags: cell phone service, corporate, Credit, credit-report, credit-reports, criteria, delete, delete-the-hard, Difference, nextel, office, office-manager, pull-or-better, soft-pull, sprint nextel, the-difference, their-corporate
Utility Credit Report; Hard or soft inq?
I am moving, and the new utility company requires a credit check. However, the online app does not require a ss#. Does that mean it's a soft pull
Categories: General Credit Tags: app-does, hard-inq, new-utility, not-require, online, soft-pull, the-online
Soft Pull from Bofa…any reason?
Im going over my credit reports and it appears that Bofa did a soft pull in Feb of this year.( saw this on EX) I have a $300 card, no lates, perfect history and all that. Just curious if this has to do with the credit industry as a whole. But my CL is only 300....aren't I just a little fish in the ocean to them
Categories: General Credit Tags: credit-industry, credit-line, credit-reports, little-fish, ocean, perfect-history, soft-pull, the-ocean, Year
Inq dings for auto insurance comparision?
Hi all, I know most personal finance blogs and whatnot suggest shopping around for auto insurance every 6 months - my question though is if I do this, will it result in dozens of inq on my reports? I currently have USAA but I wanted to see what other options are out there and I don't want to hurt my score doing it. So, for those of you who do shop around, do you see negative action to your score after? Do you tell them your score and ask the company to not pull? Can you request a soft pull?
Categories: General Credit Tags: insurance-every, negative-action, other-options, personal-finance, question, question-though, reports, score, score-doing, soft-pull, whatnot-suggest, will-it-result, your-score
CA PP Soft Pull? / CRTP Passed / No TL
I'm a bit confused about Soft Pull PP from a CA .
Categories: General Credit Tags: bit-confused, collection-accounts, cr, crtp, doing-periodic, instance, longer-reporting, pulls-on-collection, soft-pull, soft-pulls, Thanks In Advance, tl