Regular Contributor
Posts: 244
Registered: ‎10-05-2012

CLI - Results on Soft Pull Questions ? ?

I looked around and could not find the answer.

When requesting CLI with those that use a soft pull, when CC Company's use the soft pull are they still looking at UTL rate ? Balance info, low ? high ? Inquires ?


Are looking at everything the same way as they would with a Hard Pull ? Or ?


Do they score using FICO or ?


Just trying to figure out if FICO of EQ at 714 with 20%UTL is adaquate and will be seen with a soft pull or should I wait a few more weeks until FICO UTL is less than 10% and score is higher ?


I am trying hard to figure this all out.


Thank you

MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012

Re: CLI - Results on Soft Pull Questions ? ?

The longer you wait and the lower you can get your utilization the better. So, if you are up for waiting a month and getting down as low as you can, then the better off you will be.


It is my understanding that, what the bank see's via HP or SP depends on what they are willing to pay for. They can see a great summary with a soft pull if they pay for it, but HPing you makes it so you have less options for credit elsewhere. It is their choice whether to HP or not for CLI. I would try to get that score up over 720, then try for the CLI.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 869
Registered: ‎07-04-2012

Re: CLI - Results on Soft Pull Questions ? ?

That's an interest point. I am not sure of what they can see with the SPs. Hence my interest in the topic.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: CLI - Results on Soft Pull Questions ? ?

Good question. I think soft inquires are just to verify your identity and maybe payment history.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Established Member
Posts: 49
Registered: ‎02-22-2012

Re: CLI - Results on Soft Pull Questions ? ?

[ Edited ]

Found this in an older post, here is what a lender sees in a soft pull (assuming this is accurate) 


Report Results
*********** Data Date: ********* Data Source: **********
Address Elements Were Unavailable or not Utilized.
Method: **********
Name: ************
SSN: ***************
DOB: // DLN: N State:
Name: ****************
Date Of Birth: **************
Current Address: *******************
Date Reported: ******* Rent/Own/Buy:
Former Address: *****************************
Date Reported: *********** Rent/Own/Buy:
Employer: ***************
Credit SSN: ********** SSN Verified: Age:
Inquiry SSN: ************ Issue Year: **** Issue State: **
Death Year: Death State:
Score Model: *****
Score: ***
1: (*****) Percent of Bank Installment Accounts Versus Total Accounts Reported in the Past 12 months
2: (*****) Percent of Credit Union Accounts Versus Total Accounts Reported in the Past 12 Months
3: (*****) Percent of Department Store Accounts Versus Total Accounts Reported in the Past 12 months
4: (*****) Number of Accounts with Past Due Notices

Amex Accelerated Cash Rewards. BankAmericard Privileges with Travel Rewards. Amex Blue Cash Preferred. Chase Sapphire Preferred.
Now gardening until 2013. I assume gardening is a metaphor, like "book clubs" where all you do is drink wine.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+