williewonka wrote:They ask for a social and it says "In order to pull your credit", however I've heard or seen that it is only a soft pull??? How is that if I don't already have an account with them? Can they do a soft pull on a non account holder?Anybody know which BofA cards are easier to get? My scores are TU717 EQ735 and EX 740. I guess I'm skeptical as I'm self employed, seems to be a hang up with some, even with a fairly deep credit history, no baddies though. I've been SE for almost 4 years. Any advice ? I'm thinking that I'll br moving in about 2 months, so I'm also trying to avoid having to explain being at my residence for less than 2 years- anybody know the ins and outs about residency? I'm keeping my home and buying another.