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GE Care was hard pull for CLI

Contributor

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
Message 1 of 5
4 REPLIES
Frequent Contributor

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.

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Message 2 of 5
Moderator Emeritus

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
Message 3 of 5
Valued Contributor

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


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Message 4 of 5
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Established Contributor

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!
Message 5 of 5