I am and have been in credit for over 35 years there is no such thing as a soft credit pulls but there are those lenders that have no authorization to tap in to my or any of your credit report .. they do it every month and some 2 to 5 times in 30 /60 /90 day periods that drops your score and do multiple inquiries that drop your scores on each pull of your private information and that does effect the credit score witch I have always said was the biggest fraud of the clients it serves there are 3 cbt files tran union equifax and experian and let me be the first to say they all misreport every day i do the annual free credit report and the amount of lies fraud and dis information the share would be a felony to mi report about someone they never had permission to report on this is a felony .. the worst thing that has happened in my life time and i know finance is the CBTs when a human called and ask to verify income job and credit with a direct a call to a lender it was accurate now its a joke and I hope soon everyone realizes this fraud on there person and one day participates in a class action lawsuit to protect our rights not the creditor POINT MAD E I am Bobby Polen I am not affraid to post the truth ..
