Hi everyone...I'm still relatively new to the board, and I've been learning lots. Everyday I focus on one new item. Like yesterday it was harrassment laws and the FDCPA, day before validation... Anyhoo, you get the picture. Today it's inquiries. I have been doing a pretty extensive search on inquiries and I understand what a hard inquiry and what a soft inquiry is. However, I don't quite understand how to decipher between the two on my CR. Any help would be greatly appreciated!
The soft inquiries are segregated on your TU and Exp reports and noted as "inquiries seen only by you". On your equifax and Exp reports the soft inquiries usually have a code in front of them like prm for promo or AR for account review.
Thanks! One more question. Since I've been disputing a lot and Equifax has been pulling a lot of reports, they have themselves listed. Are these hard or soft. I'm guessing soft. Just want to make sure.
