PayPal/Equifax Free Credit Alerts

[vsjhoc]

The on-line agreement (yes, some of us actually read them) says that you are authorizing them to access your credit file. Does anyone know if this will generate a "hard" or "regular" inquiry on your file? Or is the "soft" inquiry which has no impact on your credit score?

[genchan]

I would assume since they will be doing it themselves from their own records, it would not be a hard pull, but the easiest way to find out is to call them and ask.

[vsjhoc]

Thanks genchan, although easier said than done! They will only give their phone number to members, and you have to buy one of their products to become a member. Looks like the same with their email address. ..

[genchan]

If you fill out the first page of the form and they can't find a credit record, they will give you a phone number to call to confirm your identity. Make up a name or "accidentally" fill in some information incorrectly and you can get their phone number that way.

[genchan]

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