Sorry to be such a newb, but I really don't know the difference. I got an online report from equifax and I don't know how I tell a hard/soft inquiry. Sad but it's the only time I've ever seen my report anyways. Thanks in advance
http://a1248.svwh.net/BoardFAQ.htm#inquiry this is from the Unoffical CreditNet board FAQ, which is stuck at the top of this discussion board. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=200226#post200226 If the Equifax online inquiry does not have the prefix "AR", "AM", "PRM" or "Disclosure" in front of it - then it is probably a hard inquiry.