Reply
Frequent Contributor
bott6698
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
oracles
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
bott6698
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
oracles
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
concorduser
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.


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+
}