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Opened a month ago and did a big BT to AMEX. Will clicking the luv button result in inquiries? Thanks.
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@Chris679 wrote:
Read the wording carefully and it will tell you if they need a HP. The initial request should be SP and it will clearly state they are not checking your credit report.
Says "
After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent."
So I'm assuming they won't pull?
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I believe they ask you before pulling. If you request and they deny a SP CLI, they have a button on that page that lets you know they'll do a HP
@Kostya1992 wrote:
@Chris679 wrote:
Read the wording carefully and it will tell you if they need a HP. The initial request should be SP and it will clearly state they are not checking your credit report.Says "
After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent."
So I'm assuming they won't pull?
They will only SP (and perhaps use the last SP they have from your last FICO update, but I'm not 100% on that), and if they need more info, they will ask before doing a HP.