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Will a soft hit on your credit report result in the prospective creditor gaining access to your entire credit report. I was given double talk by Experian today and now they have my head spinning. I feel that this particular credit pull was actually a backdoor credit check by my former employer since the Federal Credit Union and my former employer have a philanthropic relationship and I think my ex company called in a favor to pull my credit report.
Optional Information: State/Country of Question: Pennsylvania Already Tried: I contacted the Federal Credit Union (Long Island) NY - They blatantly lied to me and said it was an offer for auto financing. They would not have done that in this economic time and in addition I filed bankruptcy on them less than 10 years ago. I had notified my former employer (billion dollar Company) that I was seeking part time work and to whom I would direct the references to as all of my direct managers had either retired or left the company. This hit on my report occured on April 21, 2009 shortly after my phone call to Human Resources, however I just pulled a credit report and there it was very suspicious as I know the two of these companies are incredibly linked together.
It depends on the type of request made by the entity who pulled your credit. Soft pulls are usually those not initiated by you and do not affect credit scores. They DO NOT show your entire credit report, but usually show the range of your credit scores etc. Whenever you pull your own credit report, it is usually a soft pull and doesn't affect your credit at all. A soft pull can be initiated by almost anyone without your express consent. ExperXXXXX XXXXXsts if you pull a credit report as: “Requests viewed only by you.” These are soft pulls in Experian’s book and don’t affect your rating.If it is a hard pull then they see your entire credit report, but these are initiated by you (when taking a mortgage or applying for credit, etc.) and do affect your credit.
Experience: Over 12 years of business and legal experience.