topic Re: Overstock CLI - Soft Pull or Hard Pull in Credit Card Applications

Overstock CLI - Soft Pull or Hard Pull

Caardvark — Wed, 07 Nov 2018 16:36:46 GMT

Is there a definitiveanswer on whehter or not Overstock CLIs are now HP vs SP? From everything I read on these forums it "used" to be SP, then they added a checkbox authorizing HP (which could be ignored). Now, the box is gone.

I'm certainly not willing to risk an HP for a CLI but would like one to help get my utilization down.

Re: Overstock CLI - Soft Pull or Hard Pull

Jnbmom — Wed, 07 Nov 2018 17:48:20 GMT

We have always had a SP .Last one was 10/08/18 for a CLI

Re: Overstock CLI - Soft Pull or Hard Pull

Caardvark — Wed, 07 Nov 2018 19:20:08 GMT

Thank you. Some other questions:

Did you request via phone or the website?
And if web, can you confirm the checkbox does not show for you either.
How frequently are you able to request?

Re: Overstock CLI - Soft Pull or Hard Pull

bizarrocreditworld — Wed, 07 Nov 2018 19:28:52 GMT

@Caardvark wrote:
Thank you. Some other questions:
Did you request via phone or the website?
And if web, can you confirm the checkbox does not show for you either.
How frequently are you able to request?

1. I ask via the website

2. The checkbox no longer shows for me.

3. Every 31 days or so (this time of year may be a little more frequent since the holidays are coming up) on or about the 13th.

Re: Overstock CLI - Soft Pull or Hard Pull

beutiful5678 — Wed, 07 Nov 2018 21:22:11 GMT

From what I've read, the presence or absence of the checkbox is profile dependent but I've also heard that it is disappearing more and more as Comenity is becoming more cautious in anticipation of an economic decline.

Re: Overstock CLI - Soft Pull or Hard Pull

CountryLivin — Sat, 10 Nov 2018 03:26:52 GMT

On mine, the check mark is gone, but when you click on CLI, it says in black and white that you authorize Comenity to do a credit report. So it could be a HP or a SP. I always treat every requested CLI as it's gonna be a HP......I figure that way if I really want it, I am willing to take the hit.

Re: Overstock CLI - Soft Pull or Hard Pull

Meanmchine — Sat, 10 Nov 2018 04:30:52 GMT

Just confirming that we are talking about the store card - Comenity and not the Mastercard card - FNBO

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Sat, 10 Nov 2018 05:04:08 GMT

Just got one a few hours ago for 2k, no check box no HP, requested on web from my account page

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Mon, 12 Nov 2018 21:42:31 GMT

I have found that online CLI requests come with SP, as well as phone in requests. Only difference I have found so far is that if you are approved for online CLI and try to DD via phone, they will give a HP.

This all goes without saying, YMMV!

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Tue, 13 Nov 2018 01:36:50 GMT

@Anonymous wrote:
I have found that online CLI requests come with SP, as well as phone in requests. Only difference I have found so far is that if you are approved for online CLI and try to DD via phone, they will give a HP.

This all goes without saying, YMMV!

Just requested my 2nd CLI (only requested 2 so far) since opening early 2017. Approved with SP again, via website. No check box here either time I requested.

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Tue, 13 Nov 2018 02:13:27 GMT

I’ve gotten an online CLI every month like clockwork for a year. No more checkbox and never a HP. YMMV

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Tue, 13 Nov 2018 13:05:08 GMT

@Anonymous wrote:
I’ve gotten an online CLI every month like clockwork for a year. No more checkbox and never a HP. YMMV

If you don't mind, how much does each monthly CLI average? I have been doing every 3 months for the couple comenity cards I have. Didnt think to just shoot a CLI request each month.

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Tue, 13 Nov 2018 15:48:45 GMT

@Caardvark wrote:
Is there a definitiveanswer on whehter or not Overstock CLIs are now HP vs SP? From everything I read on these forums it "used" to be SP, then they added a checkbox authorizing HP (which could be ignored). Now, the box is gone.

I'm certainly not willing to risk an HP for a CLI but would like one to help get my utilization down.

I have gotten several CLI over the year, last one 11/2018, no HP. Overstock store card

Re: Overstock CLI - Soft Pull or Hard Pull

drmceo — Wed, 14 Nov 2018 12:59:33 GMT

I really want to pull thr trigger on overstock and VS for a cli to pad utilization, BUT afraid of an inquiry sitting on my report for 2 years for a card I barely use. Im curious if we did a poll of HP vs Sp for overstock and other commenity cards in since the checkbox change. And what was the score for those who got HP vs the score for those with Sp?

Re: Overstock CLI - Soft Pull or Hard Pull

Caardvark — Wed, 14 Nov 2018 13:56:35 GMT

I'm the OP and after reading the experiences of those that contributed, I went ahead, pulled the trigger and it was only a soft pull. So... while I can't guarantee your results will be the same, it appears everyone who commented had a similar experience.

I totally regret getting the card in the first place. I was too new to the forums to know better and didn't realize my scores were better than I thought (negating the need for low tier cards). So... in an effort to pad my utilization I did the same thing and applied for the OS card. But, now that the damage is done, I figure I ought to milk it for everything I can so... I'll be clicking the button monthly until/unless I see that the CLIs become hard pulls

Re: Overstock CLI - Soft Pull or Hard Pull

Vu — Thu, 15 Nov 2018 23:09:10 GMT

I can say for almost certainty 99.99% that the CLI button on the website is SP. I have requested the CLI on the 1-month-old overstock card multiple times and never a hard inquiry.

I also have Wayfair, William Sonoma cards, and have requested multiple CLI, and all of them are SP as well.

Re: Overstock CLI - Soft Pull or Hard Pull

Anonymous — Fri, 01 Mar 2019 21:35:38 GMT

Did they ask for your full ssn or last 4?

I was going to try it since Im hearing its a SP but a little weary now that they are asking for the full SSN.

Re: Overstock CLI - Soft Pull or Hard Pull

Vu — Fri, 01 Mar 2019 21:47:18 GMT

It only asked for income on each CLI request. At least in my case. And the last CLI request I submitted was just a few days ago.

Re: Overstock CLI - Soft Pull or Hard Pull

Rogue46 — Sat, 02 Mar 2019 00:49:35 GMT

I do a CLI just about every 30 days. Last one was a few days ago. Always a SP.

Never ask for ss number only income same as poster above.

Re: Overstock CLI - Soft Pull or Hard Pull

TryItAgain — Fri, 08 Mar 2019 04:42:59 GMT

@Anonymous wrote:
@Anonymous wrote:
I’ve gotten an online CLI every month like clockwork for a year. No more checkbox and never a HP. YMMV
If you don't mind, how much does each monthly CLI average? I have been doing every 3 months for the couple comenity cards I have. Didnt think to just shoot a CLI request each month.

Every 1-2 months (sometimes I forget to request until 2 mos) always soft pull since 2014 or so. Initilally was $200 each increase, then $400 each cli for a long while, since mid-late 2017 it's been $800 each cli.

I will note I did use my overstock early 2018 for a very large 1yr 0% purchase which I have since paid off, but other than that I have used the card very little as Overstock is pretty pricey unless you are very careful to use the rewards, coupons etc.

Hope that helps.