Hard And Soft Pulls on Credit

Yesterday, I received my Experian Credit Report from AnnualCreditReport.com. It was pulled November 29, 2016 so it's recent. Now that I have three of the Credit Bureaus, I jot down what pulls from where when opening an account, credit limit requests and just random inquiries from different creditors.

HARD PULLS are the bad ones. Having too much will alert the creditors you are going to apply for. I think it's only June this year that I learned about credit. So before that I didn't really give a damn about inquiries and all I do is pay my bills. Now, here we are being so conscious of evey single thing I do to my credit, which is good! But sometimes I think I'm getting obsessed.

Experian: Basically almost all. As of November 3rd, I have Eleven (11) hard inquiries on my report. Hopefully I'm not mistaken by that since on my Amex Credit Score it's saying I have too much. Some are from work and apartments when we moved here. But all new accounts, are pulled here. Comenity Bank VS, Discover, Bank of America, Kohl's, American Express. I'm not sure about Capital One and Citibank since I've been with those more than 2 years and it's not showing as an inquiry anymore.
CLI - Synchrony Bank (Sunglass Hut)

Transunion: Two HP from August report. One of is from CLI - Bank of America.
Oh and Kudos to Capital one from having a free credit report on their Credit Wise. Thank You guys!

Equifax: Two HP from August report as well, One of is from opening a new account with Discover last year. It doesn't have my American Express as new account. I opened September this year so I guess Amex does not report to Equifax.
SOFT PULLS
EXPERIAN: (August 25, 2016)
Bank of America
Capital One
Citibank
Kohl's
VS/CB
6/26/15
12/19/14
3/31/16
5/20/16
3/28/15
9/29/16
11/12/15
7/1/16
7/20/16
6/6/16
11/25/15
12/11/15
1/2/16
5/17/16
7/17/16
TRANSUNION: (August 25, 2016)
Bank of America
Capital One
Citibank
Discover
Synchrony Bank
8/20/16
10/1/15
9/9/15
8/10/16
6/23/16
11/1/15
8/9/16
EQUIFAX: (November 29, 2016)
Capital One
Citibank
VS/CB
11/1/16
7/23/16
11/7/16
10/25/16
Now to the not so dangerous pulls. Believe me when I tell you that it's probably for the better if you opt out of promotional offers. Not only you are not annoyed by how many mails you received each week, you are saving paper and there are few soft pull so your credit. You might tell me it's not a big deal but I prefer a clean one than a dirty report from soft pulls of company you don't know even exist.

As you can see, Capital one (which is my oldest) has pulled from all. I kind of don't understand the pattern though since it's mostly last quarter of the year. I do applause it though for being all around since it's like one pull from here and the next one from another bureau.

Citibank is my second oldest and it's pulled on all as well but not as often as Capital One. 10/25/16 is from my CLI that I requested.

Discover did a soft pull for annual review maybe? I was approved 07/05/2015.

Bank of America pulled on 08/20/16 which is my sixth month since approval and didn't receive an automatic increase. So I requested one with an HP which was pulled from Transunion in September this year (see above).

There you have it, my recent report of hard and soft pulls from creditors that I know. Let's all work together to make our Credits better! Thank You for reading!