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Revelate
Posts: 9,738
Registered: ‎12-30-2011
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I got a CLI from my old Orchard card (number on back of card as others have suggested), and there's no inquiry on either EQ or TU as of yet.  There was a soft pull on my account back in June or thereabouts from HSBC/C1 on EQ, but nothing recently.

 

Possible it wound up on Ex I suppose.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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HenryJumbo
Posts: 143
Registered: ‎07-21-2012
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

[ Edited ]

 

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Valued Contributor
p-
Posts: 2,655
Registered: ‎06-05-2008
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


Revelate wrote:

I got a CLI from my old Orchard card (number on back of card as others have suggested), and there's no inquiry on either EQ or TU as of yet.  There was a soft pull on my account back in June or thereabouts from HSBC/C1 on EQ, but nothing recently.

 

Possible it wound up on Ex I suppose.  


Did you get one recently or before August?

12-15-14: FICO EXP: 813 - EQU:802 - TRAN: 756 - AVG: 790 +240 points from JUN 2008 - MY CREDIT JOURNAL

Regular Contributor
aloush11
Posts: 134
Registered: ‎02-18-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I applied last night over the phone... Was approved for $200 and was a SP. New limit is at $1100. Not bad for Orchard Bank :smileyhappy:

Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


aloush11 wrote:

I applied last night over the phone... Was approved for $200 and was a SP. New limit is at $1100. Not bad for Orchard Bank :smileyhappy:


how long did you had them

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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BadMammaJ
Posts: 9
Registered: ‎07-06-2012
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I just came off an app spree, would it be worth for me to call to try to get a CLI?


Starting Score Ex: Fako 629 Starting Score Eq: 602 Starting Score TU: 608
Current Score Eq: CK 561
Current Score TU: Walmart 621
Goal Score: 700


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My Wallet: Best Buy $400, Walmart $400, Amazon $700, (2)Cap One $500, Orchard Bank $350, Cap One $1000, Ashley Stewart $1000, GE $1500
Regular Contributor
aloush11
Posts: 134
Registered: ‎02-18-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


nicholasyud wrote:

aloush11 wrote:

I applied last night over the phone... Was approved for $200 and was a SP. New limit is at $1100. Not bad for Orchard Bank :smileyhappy:


how long did you had them

 


December 2010, Started at $300> 700 > 900 > $1100. If you call the Credit Dept backdoor number they will be able to tell you if it requires a Hard or Soft pull. I know last time I said the rep said it was hard no matter what, but this rep said they have always been able to check. 

Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


p- wrote:

2NE1 wrote:

I called the back # of my Orchard card two months ago and requested a CLI, the CSR I spoke with was in the US. It was a soft pull for me even though it was only a $100 increase, but better than nothing! :smileyvery-happy:


What worries me is every story through July is soft, but every story from August is a HP.  I'll be watching this closely to see if the soft pulls come back.


Just for documentation purposes, I called the # on the back of my Orchard card yesterday and requested a CLI. Only got the typical $100 for a total of $400 limit, but it was a soft pull.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Valued Member
miltolam
Posts: 42
Registered: ‎07-29-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


atarvuzdar wrote:

p- wrote:

2NE1 wrote:

I called the back # of my Orchard card two months ago and requested a CLI, the CSR I spoke with was in the US. It was a soft pull for me even though it was only a $100 increase, but better than nothing! :smileyvery-happy:


What worries me is every story through July is soft, but every story from August is a HP.  I'll be watching this closely to see if the soft pulls come back.


Just for documentation purposes, I called the # on the back of my Orchard card yesterday and requested a CLI. Only got the typical $100 for a total of $400 limit, but it was a soft pull.


@atarvuzdar, Yeah I went from a $320 CL to $420 with OB 6 months ago. It will be 6 month as of 9/28. I'm going to request another CLI the day after. If they give me another rinky dink $100 CLI, I'm shredding that card!!!

 


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

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atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I think you'll definitely want to do it then, I think after 9/30 the card transfers completely over to CapOne in terms of CSR and statements, etc. and then there's no way in you-know-where that we'll ever get another CLI, that's why I requested one now lol.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay

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