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

Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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Message 21 of 34
Regular Contributor

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

 

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
Message 22 of 34
Valued Contributor

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?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 23 of 34
Regular Contributor

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 Smiley Happy

Message 24 of 34
Valued Contributor

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 Smiley Happy


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

Message 25 of 34
Member

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
Message 26 of 34
Regular Contributor

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 Smiley Happy


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. 

Message 27 of 34
Frequent Contributor

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! Smiley Very 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.

FICO 8: EQ 784 / TU 789 / EX 787
FICO 9: EQ 797 / TU 801 / EX 790

BofA Cash Rewards Visa Sig $18,700 /Citi Double Cash $18,600 / BofA BankAmericard Visa $12,500 / Barclaycard Rewards $8,900 / CapOne QuickSilver $9,450 / Discover It $5,300 / Chase Freedom $1,500 / Lowe's $20,000 / JCP MC $10,000
Message 28 of 34
Valued Member

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! Smiley Very 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: 502
Current Score: 502
Goal Score: 750


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Message 29 of 34
Frequent Contributor

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.

FICO 8: EQ 784 / TU 789 / EX 787
FICO 9: EQ 797 / TU 801 / EX 790

BofA Cash Rewards Visa Sig $18,700 /Citi Double Cash $18,600 / BofA BankAmericard Visa $12,500 / Barclaycard Rewards $8,900 / CapOne QuickSilver $9,450 / Discover It $5,300 / Chase Freedom $1,500 / Lowe's $20,000 / JCP MC $10,000
Message 30 of 34