Credit Cards

[natasjlp]

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?

[mrsanderson]

I believe TJmaxx is Chase there hard pulls!  

[smallfry]

Citi is a soft as long as you don't see the form when you make the request online.

[wmarat]

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.

[YoungEntrepeneur]

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.

[cartercorp]

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wmarat wrote:

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

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LOL but so true..

[natasjlp]

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?

[Scamp]

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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?

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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.

[natasjlp]

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...