Today I had executed temp lift of freezes on my files in order for a Bank to run a soft query against two*bureaus. I have applied at the Bank at least seven times over the past 10 years and they always give me the same scripted response, that I "lack or do not have enough credit history." They have also literally asked if that I "recently started my credit history." Here's the thing, I monitor my credit very intimately and refresh every 7 days if done via aggregate from my bank's site (ex: One bank has their credit/score feature that grabs updates from all agencies except Innovis) and do a hard pull myself from paid monthly subscriptions from Transunion and Experian. I monitor all models that evaluate my credit history including M8, Vantage and Issac. I use the mean with common models. So here's the question and the point that's not readily answered in so-called articles on soft and hard pulls - which seem to merely speak to basics of soft pull versus hard comparisons. Soft should pull in sections with history that I know I have. How is it possible that Transunion and/or Experian still show insufficient credit history when a current Lender did a hard pull and literally says that I am an ideal customer, because I raise my credit by deliberately paying higher than normal rates on small personal loans. How is it after all these years that the Bank, and a few others who do soft pulls, still see no credit history?
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Much obliged and thanks in advanced.
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Sincerely yours,
Nugya