I thought people should see this right on the top with the same message stating to go get the free scores. Many of us ran to eloan to get our free score after seeing both here and on eloan's site that it is a soft inquiry. I checked my experian account a moment ago and it is showing a hard inquiry by Midwest Mortgage. Please refer back to Saar's thread on the same issue for advice on how to get this inquiry removed. Mike G.