Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
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
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
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
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
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
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
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
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

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Regular Contributor
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...
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.