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Contributor
CyndibemyLOVE
Posts: 94
Registered: ‎02-04-2008

SAMS Credit... HARD or SOFT pull? convert to Wal-Mart Card?

I have a Sams Card with a low cl and would like to get it uped since my 80 point jump after paying 9 medical colections and then they told me to dispute and it ould be removed. Well I disputed and all have left the building on all 3 reports...... I went from 579 to 662 on EQ and from 619 to 637 on TU. EX dont know since I cant get a real score.....Sucks....
Contributor
hopeagain
Posts: 77
Registered: ‎01-08-2009

Re: SAMS Credit... HARD or SOFT pull? convert to Wal-Mart Card?


CyndibemyLOVE wrote:
I have a Sams Card with a low cl and would like to get it uped since my 80 point jump after paying 9 medical colections and then they told me to dispute and it ould be removed. Well I disputed and all have left the building on all 3 reports...... I went from 579 to 662 on EQ and from 619 to 637 on TU. EX dont know since I cant get a real score.....Sucks....

Congrats on your improvement!

 

What was your limit with Sams and how long have you had the account?

I had a $500. limit on my Sams card. After a year I hit the love button on the web site. They increased me to $1000. on the spot. I didnt see any inquires on my report.

Regular Contributor
iwantbettercredit
Posts: 163
Registered: ‎10-20-2007

Re: SAMS Credit... HARD or SOFT pull? convert to Wal-Mart Card?

Did you know that you can use your sam's club at Walmart and Vice-Versa.  I have both cards myself. GEMB will usually give CLI increases every 6-8 months but I have never know them to give increases before six months. 

"All I want for Christmas is to be able to pay our debts"
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: SAMS Credit... HARD or SOFT pull? convert to Wal-Mart Card?

I would keep the Sam's card u stand a better chance of getting a bigger CL in the future.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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