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

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
coldnmn
Posts: 12,777
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.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
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Last App 8/12/14 /

Super Contributor
longtimelurker
Posts: 6,552
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.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi Double Cash, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 848 (Sep)
Moderator
09Lexie
Posts: 25,328
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


Take the myFICO Fitness Challenge
Moderator
09Lexie
Posts: 25,328
Registered: ‎09-13-2012
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Re: Making Sure a SP and Which CRA Pulled from

Mega Contributor
coldnmn
Posts: 12,777
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 $8000
/ 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
0

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
0

Re: Making Sure a SP and Which CRA Pulled from

Wells softed EX for me in Washington state.


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