Reply
Frequent Contributor
Posts: 386
Registered: ‎02-15-2013
0

Walmart hard or soft pull?

Anyone have an idea? I've only found things on CLI for Walmart being a soft pull, but not for applying for a Walmart store card.

Established Contributor
Posts: 653
Registered: ‎01-31-2013
0

Re: Walmart hard or soft pull?

[ Edited ]

You get a HP for applying.  They will most likely pull TU.  Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.

   
FICO Scores 800+
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: Walmart hard or soft pull?


Leadberry wrote:

You get a HP for applying.  They will most likely pull TU.  Also, anecdotal evidence suggests that you have a better chance of approval and a better initial CL if you apply in-store, and more specifically, at the registers in the electronics or jewelry departments.


+1

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Walmart hard or soft pull?

[ Edited ]

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: Walmart hard or soft pull?


Epcot wrote:

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.


Very rare! Good job haha

 

Mine was def a hard pull, on TU

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Frequent Contributor
Posts: 386
Registered: ‎02-15-2013
0

Re: Walmart hard or soft pull?

[ Edited ]

Epcot wrote:

I went to the website to apply late last year. I was logged in and when I went to the apply for the walmart credit card screen it told me I was pre-approved for the walmart card with a CL of $700. It was not a full app, just asked for my full social, dob and address. Nothing about income or anything else.
After applying I had to call in and answer a few security questions and she told me I was approved for the store card with a $700 CL. No HP ever showed up. I am very happy, but I am sure it is a rare experience.



The same thing happened for me with Victoria's Secret & Express, although I didn't do the express one. I was curious to see if that happens for Walmart too. 

Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
0

Re: Walmart hard or soft pull?

Walmart is a YMMV

 

If you apply for the card it usually consist of a hard pull.

 

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.

Good Luck
May all your dreams and wishes become a reality!
Frequent Contributor
Posts: 386
Registered: ‎02-15-2013
0

Re: Walmart hard or soft pull?


JM-AM wrote:

Walmart is a YMMV

 

If you apply for the card it usually consist of a hard pull.

 

If you are selected for a pre approval while signed in on their site or during check out it results in a soft pull only.



I tried the shopping card trick and it didn't work so I guess I'm not pre-approval material... yet! :smileyhappy:

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.