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Regular Contributor
natasjlp
Posts: 217
Registered: ‎03-24-2009
0

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?

Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

Re: Who does hard and soft pulls for CLIs?

I believe TJmaxx is Chase there hard pulls!  
~EveryThing Is Within REach~FICO FORUM roCKs.....
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

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.
Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

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.
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
0

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.
Established Contributor
cartercorp
Posts: 851
Registered: ‎07-01-2008
0

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..

Regular Contributor
natasjlp
Posts: 217
Registered: ‎03-24-2009
0

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?

Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007
0

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

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Regular Contributor
natasjlp
Posts: 217
Registered: ‎03-24-2009
0

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...

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