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How do I know which credit pulls/inquiries are promotional & which tradelines (TL) are related to which pulls/inquiries?By karmijohn
I am very new to this so please forgive wrong use of or lack of proper lingo. This is my situation: I belong to Lifelock. They offer the most recent Transunion monthly credit report and the most recent annual Equifax and Experian credit report. They have a section called credit inquiries, which I assume is the same as credit pulls. Lifelock doesn't differentiate between hard pulls, and soft pulls and if any of the pulls are associated with a tradeline in the credit report.
My question: Is there anyway to research, besides calling Lifelock, and find out what kind of pull it is and which (if any) tradeline in the credit report it is associated to if it is not specified in report AND there is no contact information for the requestor?
Thanks for any help!!
Hey guys, been reading this forum for a few years and I have gained some very valuable information from you. Can someone point me in the direction on the next accounts to tackle? The ultimate goal is to be able to get a Auto lease by the end of the year.
Nebs-$300, ordered and paid
Grainger- $1000 Oredred paying this week
Strategic Network Solutions $1000 ordered and paid
Cap One Spark- $1000
Quill-? Ordered and paid
Seton-? Ordered and paid
Ups- Open but not used yet
HD Supply- $2500-Open but not used yet
Offered Secured lines with:( Is it worth taking one of these?)
Wright Express $500 secured line
BP Solutions 1/3 $300 down $1000 limit
Reliable- wanted prepay
I’m currently in a 2006 Honda and I’m looking to upgrade. It’s worth about $9K KBB book value (if private sale) and I still owe $5K on it. My credit file is thin. My EX FAKO is 697, one 6 year old paid civil judgment, one secured credit card reporting for the last two months, one potential medical collection and my car loan of 2.5 years. I got it when I had no credit score whatsoever, so the rate is a deadly 17 percent. I have a CA lurking regarding a medical collection that was on my report (but luckily it was removed in dispute) that will be permanently barred from re-reporting in three months when the SOL is up. Several questions: Should I wait the full three months to start applying for loans, jic the CA sees the activity and decides to poison? Do you think I can get a decent rate on a like-new used car loan with this credit profile? (The Honda loan is with Chase and it’s been paid on time. I asked my bank whether they would consider refinancing but I guess I don't owe enough on it to make it worthwhile for them.) And how do people usually handle cars that they currently owe on when they want to buy new one? If I do a trade, does the dealer of the future car buy it from me so I could pay off the current loan? Sorry, I’m relatively inexperienced at this so all suggestions are greatly appreciated! Thanks.