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Credit card companies soft pull all the time with just a name and last 4 digits of SSN. I did the Discover pre-approval before I actually applied. The soft pull was on my credit report, so obviously whatever system is used can identify us with name and last 4 digits. When I applied, the hard pull appeared on my report as well.
Also, if the pre-approval site shows now pre-approved offers, it doesn't mean you will not get a card. My daughter only had credit for 6 months. She did Discover pre-approval link and got no offers. The soft showed up on her report. She DID apply and was approved after calling for a recon.
So why dont the soft inqs show on any of my credit reports. Ive hit the special offers buttons many times in the past. Never any soft inqs.
I called the other day about my slate. They said they don't know why my credit line is so low, stuck at $400. It was 1200 and they lowered it when I had some credit problems. Its been over two years since I was late 1-30 days, but I was never 30 days late. I want to get this CL up to 5k so I can PC to the freedom. Anyone have an idea how much of a CLI I should ask for? I'm pulling my teletrack report for when I apply to amex just to be sure they don't have anything on file from my experian report in the event they filtered some info from it when I had some baddies on it.