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New Member
rameses
Posts: 3
Registered: ‎06-12-2013

BillMeLater

[ Edited ]

I recently saw BillMeLater option under my paypal account. Do they do Hard pull or Soft pull if I sign up? If they hard pull, can it be removed from the credit regardless of their decision?

 

Thanks :smileyhappy:

Regular Contributor
LLMT
Posts: 109
Registered: ‎04-29-2013

Re: BillMeLater

They do a hard pull to actually open your account, but they pre-qualify you with a soft first. Good luck getting them to remove anything...I am still trying to get them to remove inquiries from my DH's report when I used them to purchase something from our Apple account. I manually changed all the billing info and used my ss# & dob and they still hit his report bc his name was on the shipping info. Nice Father's Day gift! :smileysad:
Established Member
tk_0014
Posts: 67
Registered: ‎04-19-2013

Re: BillMeLater

I got an EQ hard pull, not a bad trade for a 950 un reported TL with awesome 0% for six months offers.

 

Its actually almost like NSPL, because if you charge more than the limit give you a CLI.

 

I kind of like it!

MyFICO (4/13) EQ score 733 CK TU score 6/13 754 FCR EX 4/13 736

CU overdraft protection CL $0/$500 Freedom $0/$1500 CSP $0/5000 BofA 123Cash Reward $700/$3000 C1 plat $0/1250 PP BML $400/$950 Amex BCE $0/$3000 DISC IT: $231/5500
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: BillMeLater


rameses wrote:

I recently saw BillMeLater option under my paypal account. Do they do Hard pull or Soft pull if I sign up? If they hard pull, can it be removed from the credit regardless of their decision?

 

Thanks :smileyhappy:


They hard pull for account setup but for credit reviews its soft pulls

 

Also just incase you are wondering they do not report your account to CBs so you don't have to worry about it effecting your credit, outside of the hard pull at first.

 

 

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CreditKarma score = 785, CreditSesame score = 773, Vantage = 903

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