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Who does hard and soft pulls for CLIs?

Regular Contributor

Who does hard and soft pulls for CLIs?

I just got a CLI from reactivating a Belden Jewlers card and they did a hard pull which lowered my EQ by 9 points according to SW.

 

I would like to do more CLIs but am concerned about hard pulls and score damage.

 

I heard BOFA does soft pulls - I have 2 of those and I have 1 Barclays and 1 TJ Max card all of which I would like to get a CLI.

 

How do hard pulls affect your score and when and how does your score correct?

Message 1 of 9
8 REPLIES
Frequent Contributor

Re: Who does hard and soft pulls for CLIs?

I believe TJmaxx is Chase there hard pulls!  
~EveryThing Is Within REach~FICO FORUM roCKs.....
Message 2 of 9
Senior Contributor

Re: Who does hard and soft pulls for CLIs?

Citi is a soft as long as you don't see the form when you make the request online.
Message 3 of 9
Valued Contributor

Re: Who does hard and soft pulls for CLIs?

My experience:

1. BOA on line, phone soft.

2. Citi on line soft, if form appears = hard.

3. Discover phone (1800discover, option 5) soft

4. Macy's phone soft (if at all)

5. Amex online, soft

6 GEMB (JCP, Walmart, PayPal Credit) on line, phone soft

7 PenFed if there is no preapproval, then hard

8 Chase won't say "Good morning" without pulling hard.

IN VINO VERITAS.
Message 4 of 9
Established Contributor

Re: Who does hard and soft pulls for CLIs?

HSBC approved my mother's request for a $600 CLI to $3,000. They said they would pull her report so he will find out within the next days or so. She's definitely happy about the CLI though.
Message 5 of 9
Established Contributor

Re: Who does hard and soft pulls for CLIs?


wmarat wrote:

8 Chase won't say "Good morning" without pulling hard.


LOL but so true..

Message 6 of 9
Regular Contributor

Re: Who does hard and soft pulls for CLIs?

when they do a hard pull is it only reported on 1 CR?

 

So say if I did a Chase hard pull will it only affect my EX? and not TU or EQ?

Message 7 of 9
Valued Contributor

Re: Who does hard and soft pulls for CLIs?


natasjlp wrote:

when they do a hard pull is it only reported on 1 CR?

 

So say if I did a Chase hard pull will it only affect my EX? and not TU or EQ?


 

The pull will only affect and show on the credit report/score they pull.  If they pull EX, for example, it'll show on and affect only EX.
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Message 8 of 9
Highlighted
Regular Contributor

Re: Who does hard and soft pulls for CLIs?

alright - that makes sense and is convenient. Although it is not a big part of your score, it seems it would be advantageous to have credit lines that pull from different CRAs... hmmm...
Message 9 of 9