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Yep, that makes sense...
@LS2982 wrote:
@missji wrote:
Same here! SP on 2/14. I applied for a job with them early last year but I canceled my interview because I had already accepted another offer. So I thought that maybe MAYBE they mistakenly pulled me because of that although I never gave my consent. Interesting...I wonder what they're up to.They may have bought bureau profiles of certain scores etc. and are looking to send offers out.
Oh wow I didn't know that. Thanks for the info!
@haulingthescoreup wrote:
@LS2982 wrote:
@missji wrote:
Same here! SP on 2/14. I applied for a job with them early last year but I canceled my interview because I had already accepted another offer. So I thought that maybe MAYBE they mistakenly pulled me because of that although I never gave my consent. Interesting...I wonder what they're up to.They may have bought bureau profiles of certain scores etc. and are looking to send offers out.
+1
Sounds like a promo soft pull. These do NOT show all the details of your reports, the way that softs from current lenders do.
@haulingthescoreup wrote:
@LS2982 wrote:
@missji wrote:
Same here! SP on 2/14. I applied for a job with them early last year but I canceled my interview because I had already accepted another offer. So I thought that maybe MAYBE they mistakenly pulled me because of that although I never gave my consent. Interesting...I wonder what they're up to.They may have bought bureau profiles of certain scores etc. and are looking to send offers out.
+1
Sounds like a promo soft pull. These do NOT show all the details of your reports, the way that softs from current lenders do.
Yes, that makes sense, but then it raises two additional questions for me:
1. What consumer credit products (aside from auto loans & mortgages) does Ally offer? As far as I know, none. Or at least that's what I get from their website.
2. This whole promotional INQs has me confused. Can't they only pull for a "confirmed offer of new credit"? So if they pull and then never contact you I don't see any offer.
@Anonymous wrote:
@haulingthescoreup wrote:
@LS2982 wrote:
@missji wrote:
Same here! SP on 2/14. I applied for a job with them early last year but I canceled my interview because I had already accepted another offer. So I thought that maybe MAYBE they mistakenly pulled me because of that although I never gave my consent. Interesting...I wonder what they're up to.They may have bought bureau profiles of certain scores etc. and are looking to send offers out.
+1
Sounds like a promo soft pull. These do NOT show all the details of your reports, the way that softs from current lenders do.
Yes, that makes sense, but then it raises two additional questions for me:
1. What consumer credit products (aside from auto loans & mortgages) does Ally offer? As far as I know, none. Or at least that's what I get from their website.
2. This whole promotional INQs has me confused. Can't they only pull for a "confirmed offer of new credit"? So if they pull and then never contact you I don't see any offer.
I've had promo softs by roofing companies. --and for auto loans and mortgages.
There are two types of softs. One (account review/ account maintenance) is done by lenders on their existing customers. They see the whole report. They're making sure that you aren't running up all your balances on other cards, possibly getting ready to do a massive default. The other is a promotional soft, where they buy names and addresses of consumers who have certain parameters on their reports --maybe something like no lates worse than 60's, 3 years or more old, at least 5 years of credit history, one healthy installment loan. (That was completely pulled out of nowhere, by the way. Just a "for instance.") On these, they don't get details of your reports, other than that you fit within whatever parameters they set, plus your contact info. That's why so many people who accept a "pre-approval" get denied --there's something else on their reports that the lender sees when they pull a full report (hard inquiry) to decide if they really want to issue credit.
Which brings us to what you wrote: a "confirmed offer of new credit." That's a hard pull for a full report, because you have applied for/ requested new credit.
A very few lenders, such as PenFed, will offer new credit to existing customers without a hard --only a soft. But they're really, really rare.