topic Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick in Credit Card Applications

List of Lenders that Prequalify/Preapprove w/ no HP Trick

northway — Sun, 19 Oct 2025 09:27:36 GMT

Everything that I've found so far that leads to no HP if you lock your report after prequalifying/preapproval.

Citizens Bank - No HP if EX frozen before accepting.

Imprint/Cardless - No HP if TU frozen before accepting.

Apple Card - No HP if TU is frozen before accepting.

BMO - No HP if TU is frozen before accepting.

Cap 1 - For Co-Brand cards, will pull from only EX/EQ/TU if you freeze 2/3 reports after pre-approval.

HSBC - Will pull EX instead of EQ if frozen.

Barclays - Will pull EX instead of TU if frozen.

BofA - Will Pull EX or TU depending on which one is frozen (may require a call to underwriting).

BCU - Will pull EX instead of TU if frozen.

First Hawaiian - Will pull EX instead of TU/EQ if requested at time of application and TU/EQ are frozen.

KeyBank - May pull TU or EQ depending on which one is frozen.

Synchrony - Will pull whatever bureau is unfrozen at the time, so choose your best and freeze the rest.

UBS - Will pull EX instead of TU if frozen for CLI applications only. Initial card approval must be through TU.

Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick

Meanmchine — Fri, 24 Oct 2025 06:51:13 GMT

If a current cust, Amex will SP any new CC app

Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick

LiamDavis — Mon, 10 Nov 2025 23:49:55 GMT

Most major credit card companies do this, but you have to check their websites individually. Plus, there's almost always a hard pull when you actually apply.

Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick

Jazee — Tue, 02 Dec 2025 17:36:42 GMT

Your statement doesn't make sense to me as you are inferring you unlocked your reports for a pre-qual that didn't do a HP. On most pre-qual forms you don't need to unlock your reports in the first place.

Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick

northway — Tue, 23 Dec 2025 21:46:55 GMT

@Jazee wrote:
Your statement doesn't make sense to me as you are inferring you unlocked your reports for a pre-qual that didn't do a HP. On most pre-qual forms you don't need to unlock your reports in the first place.

You unlock/unfreeze for the prequal, then freeze it before you accept and avoid a HP. Not sure what was vague there.

Re: List of Lenders that Prequalify/Preapprove w/ no HP Trick

portlandmusician — Tue, 23 Dec 2025 22:16:05 GMT

@northway I got what you were saying, what this post was about. Your opening line does make it clear with no confusion: "Everything that I've found so far that leads to no HP if you lock your report after prequalifying/preapproval." I got that.

But, if you just read the subject, "List of Lenders that Prequalify/Preapprove w/ no HP Trick," I can also see how someone would be confused or find it misleading.

That's all.