Bill Me Later opened with soft inquiry

[kimmiller112]

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@bk510 wrote:

@enharu

what do u mean the TL is hidden?

u mean on the report?

If so, then whats the point of opening an account?

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Bill Me Later does not report to any of the CRAs.  They offer 0% financing sometimes, so that is a benefit.  I've bought electronics and booked two all-inclusive vacations paying with BML with 0% financing and it didn't affect my utilization while I was paying them off.

[Blackbeauty212]

 Yes, those are the 2 reasons I love BML....

- 6 Month No Payments, No Interest
- Doesn't report so it doesn't effect Util  

I'm starting to put more of my Big Ticket Items through BML than I am with any of my CC's, especially now that Paypal has the 6 mos Financing and may purchases can be routed through it......The Trick is to space out the purchases so you're not hitting the 6 month mark every month on purchases. 

[bk510]

@kimmiller

funny, i just got an email offer from bml.....should i app?

also the fact that thet dont report,  is that mean no hard pull to apply?

and what was ur score?

[bk510]

@shyone

same here (experian), got denied just a lil while ago i think,

and got an email offer from them couple of days ago.

BML, i've heard that they actually dont report to the bureaus.

[426MW]

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@Shyone44 wrote:

I got a HP when I applied

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Me too, last week.

[Blackbeauty212]

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@bk510 wrote:

@shyone

same here (experian), got denied just a lil while ago i think,

and got an email offer from them couple of days ago.

BML, i've heard that they actually dont report to the bureaus.

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The App will cost a HP....The OP that got away with a SP on their App, should consider themselves as someone that "slipped through the cracks"...That is not normal for BML app processes...

[omskillet]

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@Blackbeauty212 wrote:

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@bk510 wrote:

@shyone

same here (experian), got denied just a lil while ago i think,

and got an email offer from them couple of days ago.

BML, i've heard that they actually dont report to the bureaus.

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The App will cost a HP....The OP that got away with a SP on their App, should consider themselves as someone that "slipped through the cracks"...That is not normal for BML app processes...

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I'm not sure I "got away with anything". I didn't do anything to induce the SP app. My OP was actually asking if anyone else has had a similar experience. It seems like an overwhelming no. I didn't "slip through the cracks" either as my application was obviously reviewed and approved as anyone elses would with regards to their underwriting standards. 

[Jarnog]

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@omskillet wrote:

I just checked my Equifax report and saw that BML approved my account with a soft inquiry. Pretty happy about that considering it was for over 5k. Anyone else had the same luck?

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Do they do a hard pull?  My wife just got the "offer" in her email, and when she goes through the pages it comes up and only asks for the last 4 of her social.  Doesn't that normally mean SP? 

If anyone can help please do

[mbla]

BML is Comenity, now.  Think "Shopping Cart Trick" as an email offer, my Comenity/jcrew card was approved that way with SP instead of POPUP.