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Established Member
Posts: 13
Registered: ‎07-12-2012
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walmart cli denial letter had credit score

I actually requested a cli twice over a two month time frame... i was denied but the denial listed my tu credit score. . If it is a soft pull like everyone here says, then how do they obtain a credit score on soft pull.. doesnt that ndicate it Was a hard pull?.
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: walmart cli denial letter had credit score


albinotiger wrote:
I actually requested a cli twice over a two month time frame... i was denied but the denial listed my tu credit score. . If it is a soft pull like everyone here says, then how do they obtain a credit score on soft pull.. doesnt that ndicate it Was a hard pull?.

Creditors can obtain your score with either a soft pull or a hard pull.    You'll have to check your report to know which it is.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Super Contributor
Posts: 5,489
Registered: ‎12-11-2011
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Re: walmart cli denial letter had credit score

Most likely wasn't a HP. Like the previous poster said, they can get a score from a SP.

What this means is that they based their decision off of a SP, as opposed to your "experience at your current credit limit."
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