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New Contributor
Posts: 56
Registered: ‎07-05-2007
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Wells Fargo Pre-Qualified VISA Offer - Hard or Soft Inquiries???

Over the past few months we've gotten a number of "pre-qualified" or "pre-approved" VISA card offers to my business.  I am self-employed and btw the business structure is a Sub-chapter S corporation so the finances are totally separate from our personal stuff...
 
Anyhow my question is:
 
DOES ACCEPTING ONE OF THESE OFFERS RESULT IN A HARD OR SOFT INQUIRY ON MY CREDIT REPORT?
 
The one I have in my hand is from Wells Fargo.  It's for a VISA Business Platinum card and it definately says "You're Pre-Qualified".
 
Curious...Smiley Indifferent
 
FICOnater2007
New Contributor
Posts: 56
Registered: ‎07-05-2007
0

Re: Wells Fargo Pre-Qualified VISA Offer - Hard or Soft Inquiries???

I called Wells Fargo's Business department who is open pretty much 24/7.  The young lady I spoke to said it would be a hard inquiry on the personal credit report --- even though the card is for the business account.Smiley Mad
 
FYI...
 
Good luck to all,
 
FICOnater2007
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