cancel
Showing results for 
Search instead for 
Did you mean: 

Hard or soft pull?

Valued Contributor

Hard or soft pull?

Maybe we can get a thread going so we can know what companies pull what. If you know what company does what post it here. i would like to know if kohls and home depot does soft or hard pulls and how easy is it to get a CLI with them. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 1 of 3
2 REPLIES
Frequent Contributor

Re: home depot store card

Are you referencing "soft or hard" for a CLI ........... or the INITIAL  application of account ? Almost every lender will do a "hard"pull when the account is first applied for.... some will just do a "soft" for approving a limit increase , then again, there are some that will ding you for a hard for a limit increase  even on an existing account.... anyone see it any differently ?

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 2 of 3
Valued Contributor

Re: home depot store card


nuggets321 wrote:

Are you referencing "soft or hard" for a CLI ........... or the INITIAL  application of account ? Almost every lender will do a "hard"pull when the account is first applied for.... some will just do a "soft" for approving a limit increase , then again, there are some that will ding you for a hard for a limit increase  even on an existing account.... anyone see it any differently ?



for CLIs tring to see if i hit that increase button will it help me at all...just opened a amex so i may wait a few months so they dont close it

 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 3 of 3