Reply
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Possible Soft Inq Approvals?

Yesterday, I have applied and got approved for PayPal Buyer Credit / Walmart Store card. Each $1600. There is no hard inq on my CR's. I wonder they are doing soft inq approvals for these cards?
Senior Contributor
Posts: 3,701
Registered: ‎01-10-2008
0

Re: Possible Soft Inq Approvals?

hey Concord, i think it is extremely unlikely, they prolly just didn't hit your cbr's yet.  although you're right, they seem to always hit right away if at all...  hmmm,  if they don't for whatever reason better for you and congrats on the two approvals! 

 

do you mind if i ask how many cc's you have and if you have an ideal number accounts beyond which it may become unmanageable for you to keep on top of?  i want to start using this free (i think) online account management thingie that i've heard people speak of recently but can't remember the name of it for the life of me. lol

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Possible Soft Inq Approvals?


score_building wrote:

hey Concord, i think it is extremely unlikely, they prolly just didn't hit your cbr's yet.  although you're right, they seem to always hit right away if at all...  hmmm,  if they don't for whatever reason better for you and congrats on the two approvals! 

 

do you mind if i ask how many cc's you have and if you have an ideal number accounts beyond which it may become unmanageable for you to keep on top of?  i want to start using this free (i think) online account management thingie that i've heard people speak of recently but can't remember the name of it for the life of me. lol


 

LOL. I stopped counting the accounts for some time. I'll send my updated accounts info soon. As per the managment of the accounts, I use BOA Billpay feature and eBilling. It makes it very easy for me to manage my credit accounts. No sweat at all.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.