cancel
Showing results for 
Search instead for 
Did you mean: 

Making Sure a SP and Which CRA Pulled from

Valued Contributor

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


Take the myFICO Fitness Challenge
19 REPLIES
Mega Contributor

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.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Super Contributor

Re: Making Sure a SP and Which CRA Pulled from

As is Amex.  Don't know about WF.

Moderator Emerita

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

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


Take the myFICO Fitness Challenge
Moderator Emerita

Re: Making Sure a SP and Which CRA Pulled from

Mega Contributor

Re: Making Sure a SP and Which CRA Pulled from

Only you see the soft pulls if that matters.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Valued Contributor

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

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

Re: Making Sure a SP and Which CRA Pulled from

Wells softed EX for me in Washington state.