Originally Posted by
sam007
The experian agent didn't even know what a hard pull is. And the entry shows just like the cards I was the primary on. How do i distinguish between a hard pull and smth else?
Date Opened: 02/04/2015
Business Name: CITICARDS CBNA
Balance Amount: $1240
Balance Date:
Address: PO BOX 6241
The existence of an account has absolutely nothing to do with a hard pull.
If you go down to near the end of the Experian credit report, you will see a section called "Record of requests for your credit history"
"Inquiries shared with others" are hard pulls. "Inquiries shared only with you" are soft pulls.