Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 614
Registered: ‎08-24-2011
0

Walmart CLI...soft pull, right?

So I was messing around with my Walmart account after hearing of people getting increases...I clicked the button, entered income and was expecting to be directed to another page to request the amount of increase, verify things, etc. and usually they make you click something saying you agree to give them permission to pull your credit...none of that. Entered income, hit next and got $1600 increase. 

 

This is a soft pull, correct? If it's not I'm going to be mad because it gave no indication it would pull my credit, or even that that was the last step in requesting an increase! But I'm pretty sure it's soft because GE would want to cover their butts with some sort of legal jargon you have to agree to before they pull your credit.

 

I have an alerting service so I guess I'll know for sure soon. Am I right to assume everyone else who got their increases were softed? 

 

I am happy about the increase, as long as it was soft! Smiley Tongue

Photobucket
Valued Contributor
Posts: 1,919
Registered: ‎11-17-2012
0

Re: Walmart CLI...soft pull, right?


FloridaState12 wrote:

So I was messing around with my Walmart account after hearing of people getting increases...I clicked the button, entered income and was expecting to be directed to another page to request the amount of increase, verify things, etc. and usually they make you click something saying you agree to give them permission to pull your credit...none of that. Entered income, hit next and got $1600 increase. 

 

This is a soft pull, correct? If it's not I'm going to be mad because it gave no indication it would pull my credit, or even that that was the last step in requesting an increase! But I'm pretty sure it's soft because GE would want to cover their butts with some sort of legal jargon you have to agree to before they pull your credit.

 

I have an alerting service so I guess I'll know for sure soon. Am I right to assume everyone else who got their increases were softed? 

 

I am happy about the increase, as long as it was soft! Smiley Tongue


Yup! Definitely a soft Smiley Happy or even an internal CLI! Congrats! Smiley Very Happy

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Walmart CLI...soft pull, right?

Congrats on the increase! All I have read here indicates SP.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Walmart CLI...soft pull, right?

Absolutely it's a SP, and the beauty of it is, after 4 months, do it again!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Highlighted
Established Contributor
Posts: 614
Registered: ‎08-24-2011
0

Re: Walmart CLI...soft pull, right?

Thanks guys! I was 99% sure it was soft, but I needed some reassurance. Smiley Happy

 

And I will try again in a few months...as long as it's soft, what's the harm, right? lol

Photobucket
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.