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WFFNB hard pulls for CLI

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khw
Regular Contributor

WFFNB hard pulls for CLI

Hey guys,

 

Just wanted to let you know that I applied for a CLI a few weeks ago on both my Victoria's VIP card and my Limited card and the both hard pulled EX! On the plus side they both gave me the CLI! but I know a lot of people said they don't do hard pulls, so I just wanted to let everyone know that they did hard pull for me at least.Smiley Surprised


Starting Score: 480-550 in 2005
Current Score: 761 TU/764 EQ - 08/1/2013 /754 EX 12/15/12
Goal Score: 800


Take the FICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: WFFNB hard pulls for CLI

Thx well i know not to ask for one now.

Message 2 of 11
AndySoCal
Valued Contributor

Re: WFFNB hard pulls for CLI

Asking for a CLI is considered persuit of new credit which a hard pull.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 3 of 11
khw
Regular Contributor

Re: WFFNB hard pulls for CLI

 


@AndySoCal wrote:

Asking for a CLI is considered persuit of new credit which a hard pull.


Not always, I've had CLI's from these cards and others that I asked for which were only a soft pull and NOT a hard, in fact this is my first hard pull from asking for one

 


Starting Score: 480-550 in 2005
Current Score: 761 TU/764 EQ - 08/1/2013 /754 EX 12/15/12
Goal Score: 800


Take the FICO Fitness Challenge
Message 4 of 11
haulingthescoreup
Moderator Emerita

Re: WFFNB hard pulls for CLI

Ouch! I just got a CLI on my J.Crew card a month ago; no hard. (Just checked, lol --I got scared!)

 

I wonder how they decide when to hard and when not??

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 5 of 11
laz98
Senior Contributor

Re: WFFNB hard pulls for CLI

our victoria's secret card has never done a hard pull on us.  as a matter of fact, i just got a CLI today Smiley Tongue

 

just got a CLI from lane bryant yesterday, no hard pull, BUT they have done hard pulls 2x in the past.

 

my new york & company card, no hard pulls for any CLI.

 

CONCLUSION:  TOTALLY RANDOM STUFF!!!

Message 6 of 11
AndySoCal
Valued Contributor

Re: WFFNB hard pulls for CLI

There is a difference between someone asking for a CLI and the creditor giving you a CLI as a part of an account review. If you asked for CLI and the creditor used the credit report from the account review yes it would be a soft pull.  If the creditor gave you a CLI as a part of an account review yes it would a soft pull.   I have had that happne with a couple my credit cards.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 7 of 11
MBOhio2
Established Contributor

Re: WFFNB hard pulls for CLI

I know this is an old thread, but I'm trying not to duplicate efforts and some of my questions were already explained above... however, I have one more.

 

QUESTION: Is there any way to determine whether or not the creditor will do a soft or hard pull? For example, could I call them and ask first?

 

I would really like to avoid any hard pulls but the CLI would be great.

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
July 2017 Current Scores: Approx 710 (waiting for official updates)
Message 8 of 11
Red1Blue
Super Contributor

Re: WFFNB hard pulls for CLI

creditaddict is expert with wffnb. Where is / she.

Message 9 of 11
Wolf3
Senior Contributor

Re: WFFNB hard pulls for CLI

I did a on-line CLI request on Eddie Bauer card after having the card 6 months.   They declined without any pull at all, said account was too young.

Message 10 of 11
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