Reply
Frequent Contributor
Posts: 491
Registered: ‎06-26-2007
0

CLI Soft and Hard Pulls

Hi, I don't know how you guys do it but every single card I called said they just periodically review credit lines and are soft pulls but anytime you call and initiate a CLI it is always a hard pull. I used back door #'s and everything and still had no luck. Any advice here would be appreciated thanks!
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007
0

Re: CLI Soft and Hard Pulls

Hi Bott

 

 

What are the cards you have that you are trying to receive a cli on?

 

 

 

Frequent Contributor
Posts: 491
Registered: ‎06-26-2007
0

Re: CLI Soft and Hard Pulls

Macy 400CL
Orchard 320CL

Best Buy Reward Zone MC 320CL
Toys R US 500CL
HD 1000CL
Zales 500CL

 

 

01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007
0

Re: CLI Soft and Hard Pulls


bott6698 wrote:

Macy 400CL- ask for a gli every 3 months, however you need to use it sparingly
Orchard 320CL- very difficult to get a cli, very stingy

Best Buy Reward Zone MC 320CL- again very stingy with clis
Toys R US 500CL- dont know sorry
HD 1000CL- must use it sparingly and ask once every 6 months
Zales 500CL- dont know sorry

 

 


This is all i know about these cards however i would say to do a search with the search terms of the credit card name and cli, posts will pop up for you to review.

 

Hope this helps

Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: CLI Soft and Hard Pulls

I dont know about all cards. When I ask Macy's / Nordstrom / BOA / FIA I get CLI with soft.

Every time I ask CLI with chase / national city I get hard.

HSBC they say there will be hard, but there is no hard.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.