Reply
Contributor
Posts: 95
Registered: ‎12-12-2011
0

GE Care was hard pull for CLI

Just a heads up. I went through the automated phone system for a CLI and it ended up being a hard pull through TU. Not sure if this will be the same for all of their cards, but thought I'd share. In their defense, the phone system stated that the request would result in an inquiry. I just have never had a hard pull with them for inquiry so I ignored it.

Starting Score: 656(EQ myFICO) 668 (TU myFICO)
Current Score: 638 EQ 680 TU08 677 EX
Goal Score: 750
Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
0

Re: GE Care was hard pull for CLI

Yes, the Care card does appear to be a HP. The other GE cards historically have all been SP's.

________________________________________________________________________________
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: GE Care was hard pull for CLI


DanielF wrote:

Just a heads up. I went through the automated phone system for a CLI and it ended up being a hard pull through TU. Not sure if this will be the same for all of their cards, but thought I'd share. In their defense, the phone system stated that the request would result in an inquiry. I just have never had a hard pull with them for inquiry so I ignored it.


Yes, we did this on my DH's Care Credit a month or two ago. It was worth it for us, but it's good that others are advised so that they can make an informed decision as to whether or not to accept the HP. So, if the automated system states that it needs to pull your credit, please know that you should expect it to be a HP.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: GE Care was hard pull for CLI

Did you receive the CLI you requested??  Sorry about the HP.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Established Contributor
Posts: 961
Registered: ‎12-21-2010
0

Re: GE Care was hard pull for CLI

I went from 1000.00 to 5k was worth the hard pull
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
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.