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Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
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Making Sure a SP and Which CRA Pulled from

Ok, my credit reports updated finally and I am ready to ask for a CLI on my credit cards. But I want to make sure that these are soft pulls. Also, please let me know which CRA they pull from. If it matters I live in Florida.

Wells Fargo
AMEX
Capital One

Thank you.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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coldnmn
Posts: 14,958
Registered: ‎08-08-2011
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Re: Making Sure a SP and Which CRA Pulled from

Cap1 is a soft from what I have read best results EO. I sent you pm.

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Super Contributor
longtimelurker
Posts: 7,658
Registered: ‎04-22-2013
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Re: Making Sure a SP and Which CRA Pulled from

As is Amex.  Don't know about WF.

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09Lexie
Posts: 26,273
Registered: ‎09-13-2012
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Re: Making Sure a SP and Which CRA Pulled from


John060675 wrote:
Ok, my credit reports updated finally and I am ready to ask for a CLI on my credit cards. But I want to make sure that these are soft pulls. Also, please let me know which CRA they pull from. If it matters I live in Florida.

Wells Fargo
AMEX
Capital One

Thank you.

Amex and Cap 1 are SP's.  WF is probably a hp. Of course, YMMV

Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
0

Re: Making Sure a SP and Which CRA Pulled from

Thank you for the prompt answers. However, does anybody know which credit reporting agency they soft pull from?

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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09Lexie
Posts: 26,273
Registered: ‎09-13-2012
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Re: Making Sure a SP and Which CRA Pulled from

Community Leader
Mega Contributor
coldnmn
Posts: 14,958
Registered: ‎08-08-2011
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Re: Making Sure a SP and Which CRA Pulled from

Only you see the soft pulls if that matters.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
0

Re: Making Sure a SP and Which CRA Pulled from

Coldnmn, just saw your message. Thank you, that gives me a great start.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Established Contributor
eagle2013
Posts: 568
Registered: ‎12-27-2012
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Re: Making Sure a SP and Which CRA Pulled from

Wells Fargo definitley softs for CLI when you call in. Aim as high as possible and they'll counter.

Established Contributor
eagle2013
Posts: 568
Registered: ‎12-27-2012
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Re: Making Sure a SP and Which CRA Pulled from

Wells softed EX for me in Washington state.


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