Orchard, soft or hard pulls for CLI?

[Creditaddict]

you don't have to authorize it when you are already a card holder... would be nice in an ideal world that they couldn't do that without telling you but you asking them gives them permission to just do it.

[Kiwill]

Oh I see So when this year is over I'll have 2 inquiries within the last 12mos effecting my score. I hope NFCU will be forgiving. On a happier note, I did notice that the CLI I asked for online for Children's Place was approved from $500 to $1100, so that is a total of $1,600 today, not too bad

[Creditaddict]

Fantastic

[Anonymous]

When I and DH had Orchard cards (closed a few months ago) we were never hard pulled OR soft pulled.  Evidently, they were going on internal records.  So, don't assume a soft pull until you actually see it on your reports.

Congrats on your CLI's!

[Kiwill]

most of the requests I do believe were based on an internal overlook.  I think the only one who asked for permission to get a new report if necessary to do so was Best Buy MC. 

[Anonymous]

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@Kiwill wrote:
Oh I see So when this year is over I'll have 2 inquiries within the last 12mos effecting my score. I hope NFCU will be forgiving. On a happier note, I did notice that the CLI I asked for online for Children's Place was approved from $500 to $1100, so that is a total of $1,600 today, not too bad

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was it instant approval and was it a hard pull?

[Anonymous]

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@Kiwill wrote:
Oh I see So when this year is over I'll have 2 inquiries within the last 12mos effecting my score. I hope NFCU will be forgiving. On a happier note, I did notice that the CLI I asked for online for Children's Place was approved from $500 to $1100, so that is a total of $1,600 today, not too bad

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Kiwill;

when got a CLI from children's place, did you have to give your bank info, like your bank acct #?

When i applied they ask me for that...routing and checking accout # ?