PLOC / Auto / BECU Experience

[Anonymous]

---

@jbsea wrote:

I dont know why but I thought that it was a hard pull to join.  I was holding off because i'm trying very hard to not take anymore HP.  OK, So I will join BECU sometime this week.  Just to confirm, you guys got the PLOC and CC off of the SP?

---

No. Any form of credit will be a HP. SP to join.

[Anonymous]

---

@jbsea wrote:

I dont know why but I thought that it was a hard pull to join.  I was holding off because i'm trying very hard to not take anymore HP.  OK, So I will join BECU sometime this week.  Just to confirm, you guys got the PLOC and CC off of the SP?

---

I got the PLOC off the soft pull, but it popped up as a pre approval when I was signing up. And I currently have a pre approval for a CC that would also be a soft pull if I accept it. But the key here is that they are pre approvals. If you app for the PLOC or CC without a pre approval, it's a hard pull.

[Anonymous]

---

@Anonymous wrote:

---

@jbsea wrote:

I dont know why but I thought that it was a hard pull to join.  I was holding off because i'm trying very hard to not take anymore HP.  OK, So I will join BECU sometime this week.  Just to confirm, you guys got the PLOC and CC off of the SP?

---

I got the PLOC off the soft pull, but it popped up as a pre approval when I was signing up. And I currently have a pre approval for a CC that would also be a soft pull if I accept it. But the key here is that they are pre approvals. If you app for the PLOC or CC without a pre approval, it's a hard pull.

---

+1. Doesn't hurt to have CAP's 780-800 FICO scores, either. One day I may get there and get the preapprovals......

[jbsea]

Yes that would help... well I will hold off.  I really need to not be apping for awhile.  And I don't have ar real need so I will try this self control thing I keep hearing about.

[Anonymous]

---

@jbsea wrote:

Yes that would help... well I will hold off.  I really need to not be apping for awhile.  And I don't have ar real need so I will try this self control thing I keep hearing about.

---

I've been trying that myself, but my resolve is rapidly evaporating.

[Anonymous]

---

@Anonymous wrote:

---

@jbsea wrote:

Yes that would help... well I will hold off.  I really need to not be apping for awhile.  And I don't have ar real need so I will try this self control thing I keep hearing about.

---

I've been trying that myself, but my resolve is rapidly evaporating.

---

funny

[Anonymous]

---

@jbsea wrote:

I dont know why but I thought that it was a hard pull to join.  I was holding off because i'm trying very hard to not take anymore HP.  OK, So I will join BECU sometime this week.  Just to confirm, you guys got the PLOC and CC off of the SP?

---

Same.  I did some app'ing in Dec and didn't really want to add anymore.  The PLOC was a pre-approval that came up during the SP for membership.  There was no HP.  But w/o a pre-approval, I'm sure it would be a HP.