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How do you know - SP or HP?

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kroberts67
Established Contributor
‎03-15-2013 07:51 AM
‎03-15-2013 07:51 AM

How do you know - SP or HP?

Before you hit those beautiful little CLI buttons, is there a way to know if they HP or SP?  Must it advise you this will affect your credit?  Or by requesting a CLI does this give permission to HP?  

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
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Open123
Super Contributor
‎03-15-2013 07:52 AM
‎03-15-2013 07:52 AM

Re: How do you know - SP or HP?

HP will be counted as an official inquiry on your CRs, while SPs are never counted.

 

PS - Sorry, just noticed I didn't really answer your question.  Aside from asking the issuer, there's really no way to know.  Amex is SP, and Citi and Chase are usually HP.  But, almost in every case, you need to check; and, even then, you may get a wrong answer.

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