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Valued Contributor
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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Mega Contributor
Posts: 16,663
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.

Super Contributor
Posts: 9,213
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.

Moderator
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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
Posts: 1,126
Registered: ‎08-29-2007
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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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Moderator
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Registered: ‎09-13-2012
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Re: Making Sure a SP and Which CRA Pulled from

Mega Contributor
Posts: 16,663
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.

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


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Established Contributor
Posts: 577
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
Posts: 577
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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