@Anonymous wrote:
I've heard conflicting reports that if initially approved through a soft pull a hard pull will show up after the CLI... So for those who have gotten the 2-3x cli through soft pulls, did a hard pull eventually show up after you were approved?
Background on my situation:
I'm waiting on a DD car accident settlement which should pay off most of my cc debt, but I got 2 amex cards 3 months ago that dinged my experian report (I tried to get 2 cards on 1 HP, but didn't work out for me, so got 2 HP's), and they also lowered my average credit card account age to around 2 years (with 6 years being oldest cc). I also want to a apply for a personal loan of 10-15K to consolodate remaining cc debt, but mostly to help fund a part time business. It looks like most of the the personal loan places look at experian, so I'm trying to make sure nothing else dings my experian report before I try for that personal loan. Also if I request a CLI from barclay who usually pulls transunion, there is no chance of a personal loan company pulling experian seing that TU pull right?
Not true. No HP will result whether you're approved or not.
And no the personal loan company wouldn't see the pull on TU
