10-30-2011 12:30 AM
Although, when you request a credit limit increase, they do a soft pull. At least, as of last month, I have yet to see it on my report.
10-30-2011 01:38 AM
it is a hard fast rule that any application for new credit is a hard pull; however the only two exceptions to this is if you receive a pre approval from penfed and are approved, they wont hard pull your credit. (i believe you have to be an active penfed account holder though). the only other partial exception to this is if you are an active amex cardmember, if you apply for another card and get denied as a result, then they wont hard pull your credit.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO