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.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Starting Score: 648
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
