cancel
Showing results for 
Search instead for 
Did you mean: 

Any major CC available without a Hard Inquiry?

New Member

Any major CC available without a Hard Inquiry?

I am carefully guarding my hard-won points, but I need a major CC, according to my mortgage lender.  Anyone know of a place to go where they may do a Soft Inquiry?  And if not, anyone know of a bank that pulls only Equifax?  That's my highest score so far.  (at 646)  EXP 610, TU 634

Message 1 of 30
29 REPLIES
Super Contributor

Re: Any major CC available without a Hard Inquiry?


Ewoky wrote:

I am carefully guarding my hard-won points, but I need a major CC, according to my mortgage lender.  Anyone know of a place to go where they may do a Soft Inquiry?  And if not, anyone know of a bank that pulls only Equifax?  That's my highest score so far.  (at 646)  EXP 610, TU 634


So you don't have any credit cards or revolving accounts open now, is that correct ?    I'm not aware of any banks that only do a soft pull ~ although there might be some store cards where this happens.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 30
Super Contributor

Re: Any major CC available without a Hard Inquiry?

 

Moving to credit cards forum.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 30
New Member

Re: Any major CC available without a Hard Inquiry?


pizzadude wrote:

Ewoky wrote:

I am carefully guarding my hard-won points, but I need a major CC, according to my mortgage lender.  Anyone know of a place to go where they may do a Soft Inquiry?  And if not, anyone know of a bank that pulls only Equifax?  That's my highest score so far.  (at 646)  EXP 610, TU 634


So you don't have any credit cards or revolving accounts open now, is that correct ?    I'm not aware of any banks that only do a soft pull ~ although there might be some store cards where this happens.


I have no credit cards and no revolving accounts open right now.

Message 4 of 30
Super Contributor

Re: Any major CC available without a Hard Inquiry?

 

If a store card will suffice then take a look around at the "shopping cart trick" ~ people have reported that they can obtain a store card with only a soft inquiry via this approach.

 

If it needs to be a bank card then you'll have to apply and incur an inquiry.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 30
Mega Contributor

Re: Any major CC available without a Hard Inquiry?

I believe I read because of the credit card act even a secured card requires a hard pull.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 30
Established Contributor

Re: Any major CC available without a Hard Inquiry?


Ewoky wrote:

I am carefully guarding my hard-won points, but I need a major CC, according to my mortgage lender.  Anyone know of a place to go where they may do a Soft Inquiry?  And if not, anyone know of a bank that pulls only Equifax?  That's my highest score so far.  (at 646)  EXP 610, TU 634


You might want to look at this thread http://ficoforums.myfico.com/t5/Mortgage-Loans/No-credit-other-financing-options/m-p/2323705#M131248

 

 

 

Message 7 of 30
New Member

Re: Any major CC available without a Hard Inquiry?


ccnewcc wrote:

Ewoky wrote:

I am carefully guarding my hard-won points, but I need a major CC, according to my mortgage lender.  Anyone know of a place to go where they may do a Soft Inquiry?  And if not, anyone know of a bank that pulls only Equifax?  That's my highest score so far.  (at 646)  EXP 610, TU 634


You might want to look at this thread http://ficoforums.myfico.com/t5/Mortgage-Loans/No-credit-other-financing-options/m-p/2323705#M131248

 

 

 


Thanks!  That thread is awesome.  I will definitely look into this.

Message 8 of 30
Valued Contributor

Re: Any major CC available without a Hard Inquiry?

Shopping cart trick... But in general all apps are hp...makes it difficult if you have limited history tho


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 9 of 30
Moderator Emerita

Re: Any major CC available without a Hard Inquiry?

SDFCU had a secured card without a HP. You might want to double check
Message 10 of 30