cancel
Showing results for 
Search instead for 
Did you mean: 

Credit cards that do not increase a hard inquiry in the credit report

tag
Chaselover
Frequent Contributor

Credit cards that do not increase a hard inquiry in the credit report

Does anybody know of any credit cards (even secured is fine) that do not need credit reports/scores (which will not increase a hard inquiry in the report) like Capital One Open Sky? 


In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.
Message 1 of 5
4 REPLIES 4
gdale6
Moderator Emeritus

Re: Credit cards that do not increase a hard inquiry in the credit report


@Chaselover wrote:

Does anybody know of any credit cards (even secured is fine) that do not need credit reports/scores (which will not increase a hard inquiry in the report) like Capital One Open Sky? 


State Dept FCU, its a SP to join, put the money for the secured card in savings then open the secured card by phone its a SP as well.

 

Welcome to the board Smiley Happy

Message 2 of 5
Chaselover
Frequent Contributor

Re: Credit cards that do not increase a hard inquiry in the credit report

Thank you so much, gdale6, but do you noe whether there is even a soft inquiry with SDFCU?


In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.
Message 3 of 5
buildafico
Frequent Contributor

Re: Credit cards that do not increase a hard inquiry in the credit report

soft pull = soft inquiry. lenders can not see soft pulls only you can.

some textsome textsome textsome textsome textsome textsome textsome textsome text>some text
Message 4 of 5
Chaselover
Frequent Contributor

Re: Credit cards that do not increase a hard inquiry in the credit report

Thank you so much buildafico, new to this game, so not yet fully familiar with the terms. I thought every credit report will have the soft inquiry which every lender can also see. Anyway thanks for the clarification.


In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.