Hi, I am trying to get my head around with credit enquiries, credit check, veda1.1, credit score, comprehensive credit score, soft access, hard access etc... questions: 1. Can someone please explain me what they all mean? 2. When a broker access credit file, does it get recorded in credit file ? and does it contribute to lowering credit score?. 3. Is there a way to know if a broker has accessed my credit file without permission? 4. Usually customer can get equifex credit file report by paying $10. Is this report same as what broker gets? Is that different from what lender gets? 5. Some lenders use veda1.1 score (which is much lower than overall score) however, other lenders use overall score. Do they lower their benchmark while using veda1.1? 6. Why can't lenders "softly" (whatever that means) access the credit file? 7. What extra information "hard" access show that a "soft" access doesn't. Bigger question: Why is customer penalized for shopping around for finances?