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New Member
patriot676
Posts: 2
Registered: ‎03-14-2009
0

Instant Approval for C.C.

Hi new to the forum. I hope this doesn't sound like a dumb question but regarding these sites where they can give you an answer in like 30 seconds I assume its a computer but what does it check to decline or approve so quickly score maybe? would it be considered a hard pull on your cr. Thanks 
Epic Contributor
Creditaddict
Posts: 22,097
Registered: ‎10-23-2007
0

Re: Instant Approval for C.C.

it is a hard pull.

it's looking at score, collections, bankruptcy;s, lates, debt to credit limit ratio, debt to income ratio, inquiries, new accounts, all sorts of things. 

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