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Shopping cart trick not soft pulling my report

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nursepower
Frequent Contributor

Shopping cart trick not soft pulling my report

Any idea why this would be? I've tried numerous times for the shopping trick and just checked my reports and see no soft inquiries for any comenity stores that do the trick. 

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 1 of 12
11 REPLIES 11
Firehorse
Frequent Contributor

Re: Shopping cart trick not soft pulling my report

Either your billing or profile address doesn't match the CRA record of you, or they did a soft pull on a previous visit and decided you didn't meet the criteria. It may be further down in your SPs and didn't happen today. Also, Comenity doesn't pull SP on just one CRA. I've seen them SP on all three of mine.

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 2 of 12
skigirl916
Established Contributor

Re: Shopping cart trick not soft pulling my report

Are you opted out of pre-screened offers?

Message 3 of 12
Firehorse
Frequent Contributor

Re: Shopping cart trick not soft pulling my report


@skigirl916 wrote:

Are you opted out of pre-screened offers?


+1

 

Or there's that. I've never opted out so forgot about that. Smiley Wink

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 4 of 12
nursepower
Frequent Contributor

Re: Shopping cart trick not soft pulling my report

I'm opted in. Pretty sure anyways.

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 5 of 12
nursepower
Frequent Contributor

Re: Shopping cart trick not soft pulling my report

I went and opted in again just to be sure. 

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 6 of 12
nursepower
Frequent Contributor

Re: Shopping cart trick not soft pulling my report

Wouldn't that be a kick in the pants. To find out I was opted out the whole time. I don't think so because I got something from B of A in the mail one day recently and applied for it and was approved. Would it matter if that's my normal bank? Would they be able to send me that if I was opted out?

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 7 of 12
Firehorse
Frequent Contributor

Re: Shopping cart trick not soft pulling my report

Which CRA are you looking on exactly?

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 8 of 12
skigirl916
Established Contributor

Re: Shopping cart trick not soft pulling my report


@nursepower wrote:

Wouldn't that be a kick in the pants. To find out I was opted out the whole time. I don't think so because I got something from B of A in the mail one day recently and applied for it and was approved. Would it matter if that's my normal bank? Would they be able to send me that if I was opted out?


I believe anyone you have an existing relationship with can still contact you.

Message 9 of 12
Ghoshida
Valued Contributor

Re: Shopping cart trick not soft pulling my report

http://ficoforums.myfico.com/t5/Credit-Cards/Starting-to-feel-defective-watch-yourselves-for-too-man...

 

Based on this thread, I'd say stay away from any tricks and apps.

Message 10 of 12
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