Chase CLI - soft pull

[josh9955]

I am a victim of identity theft and Equifax has been horrible to deal with.  They refuse to delete anything, so I locked that credit report while I prepare to sue them.   My TU and EX are all cleaned up and my scores are over 750.    So I applied for a CLI, under the impression that they'll pull another bureau since Equifax is locked but to my shock I was denied.  Called for a recon and the man told me why...massive chargeoffs and collections and a score in the 500s.   I double checked and Equifax is indeed locked so the only way they could know what's in my Equifax report is via a soft pull.    Scary (or maybe that's a good thing?)

But you can request that they pull another bureau...the analyst pulled the other two and saw that I do have great credit and granted me the CLI.   From $6,000 to $15,000!

[coldnmn]

Congrats! Thanks for sharing.

[lexandra90]

congrats! as well

and sorry to here about the EQ nightmare, hopfully it will be worked out soon

nice CLI also 

[alvon123]

congrats

[wHiTeSoL]

This may not be your case here but I'm pretty sure existing creditors can pull through your freeze. Just FYI.

[Brax]

Correct me if I'm wrong, but it probably was a hard pull for the other bureaus?

[maceto]

Only locked for new pulls- existing can pull soft or hard - at least what I have read from others - simply posting what I have seen and not personally know

[myjourney]

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@maceto wrote:
Only locked for new pulls- existing can pull soft or hard - at least what I have read from others - simply posting what I have seen and not personally know

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+1 correct its called permissible permission and all your current lenders can pull your account 

[bigbang91]

I hope they dont HP you all 3 bureaus for a CLI,my wife got hit with that for 3k increase,sting!

[Brax]

I thought 99.999% of the time a customer initiated CLI request with Chase WILL result in a HP. Having a bureau locked that they attempt to pull would then result in no HP but no CLI even if you have perfect credit?