04-22-2009 03:46 PM
04-22-2009 05:17 PM
04-22-2009 05:26 PM
04-22-2009 05:37 PM
I have a Best Buy card ( one without a MC, Visa or any logo) and I want a CLI to help reduce my debt to credit ratio. I have read in the forums here that they do not hard pull but when I called and asked the woman (who could barely speak English) said they would do a hard inquiry. Which is true?
Try the button online. I didn't get a hard by doing it that way.
04-22-2009 07:38 PM
04-23-2009 08:53 PM
Thanks every one. I hit the love button and got this message:
Thank you for using Online Customer Care
In order to complete your request, we will need to speak with you to verify some of the information you provided.
Please contact us at 1-800-319-3685 immediately.
So I called and the woman I sopke with said that there would be a slight chance it would be a hard inquiry but on occasion it does go through as an automatic CLI without the hard inquiry. I got cold feet and optioned not to go for it..... blah.
I guess I will just try the love button again in a few months.
04-24-2009 04:20 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.