employers doing credit pulls?

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Postby Multi-Purpose » Mon Jun 09, 2008 10:32 pm

relieved to know! i moved twice last year with apartments and had to set up utilities each time. i was mad because i was thinking it was doing hard pulls on my credit each of those times. guess not tho!
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Postby Mogul of Pineapples » Tue Jun 10, 2008 4:13 am

Yeah I didn't know that employers and landlords didn't count as hard credit pulls either. Thanks guys for sharing that.
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Postby magyar1045 » Tue Jun 10, 2008 8:48 am

NightStar wrote:I am positive, I use to work for a credit bureau.

All companies considered soft hits include:

Utility Companies
Consumer pulling their own credit report

All hard hits include:

Personal Finance Companies
Credit Unions
Credit Card Companies

Thank you for the breakdown. Are periodic creditors' (banks. ccs) inquiries to determine if they should increase your limits, or impose the universal default interest rate considered hard or soft pulls?

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Postby Cucumber » Tue Jun 10, 2008 9:52 pm

Good those things shouldn't be counted anyway. I was gonna say if all those counted your average American would have a dozen hard pulls on their credit record a year.

Magyar are you talking about when credit card companies raise your limits voluntarily? Or you just ask if you're elgible and they offer you a raise right off the bat? I know those are only soft pulls. But if you ask for a CL increase make sure you tell them you don't want a hard pull because when they have to do the "review" for an increase that's not automatic it usually is a hard pull.
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Postby Kino » Sat Jun 21, 2008 4:00 pm

thank goodness these are a soft pull bec i was reeeeeeal pissed thinking that i was f***ing up my credit just so i get get a job that didn't pay hack s***. still haven't got a job either man this is pissing me off everyone is paying nothing and giving no good benefits. how can we afford to live like this

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