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Discussion in 'Credit Talk' started by Shantel, Jun 4, 2001.
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A "HARD" inquiries stay on for 2 years.
A "SOFT" inquiry for 1 year.
I have never heard of changing a "HARD" to "SOFT" when the card is issued...
Hard inquiries are ones you initiated by filling out credit applications. Never heard of changing a "Hard" to "Soft" inquiry either. If you are not applying for new credit, a few inquiries won't ruin your file.
YOU CAN CHANGE A "HARD" TO A "SOFT" if you already have the card and you ask for a credit line increase with a "SOFT" and they do a "HARD"...you can throw a "HISSY FIT" they will change it to a "SOFT"...sometimes...
WHEN I ASK FOR A CREDIT LINE INCREASE...I SAY CONDITIONAL ON NO CREDIT REPORT...OR FORGET IT!!!
Soft inquiries are from companies that want to send out preapproved credit-card offers or current creditors who are monitoring your account.
I understand what you guys are saying, but previously I'd read here that once you are extended credit by the creditor, your inquiry turns into a soft one.
Now whoever said this, please speak up because I KNOW that I'm not going crazy.
SORRY, NEVER HEARD THAT
PROBABLY SOMEONE WHO IS GONE...
Hey wasn't there someone who posted awhile back about how you can put a block on your report from people pulling your file without permission? Im just curious if this is possible? I have had 5 hard inquiries on my report in the past year and I have no idea even who the company was, it would be nice to block them