topic Re: Alliant Credit Union soft pull language for Visa CLI in Credit Cards

Alliant Credit Union soft pull language for Visa CLI

Xarquinn — Sun, 19 May 2024 01:50:07 GMT

It has been about 1.5 years since my last CLI request with Alliant (Hard Pull, 7.5k -> 10k). Just recieved a blance transfer offer of 0% for 18 months. Asked for a CLI through the Alliant wensite to avoid maxing out the card to take advantage of the offer without maxing out the card and noticed the following language:

Applicant Consent to Pull Credit in Conjunction with Your Loan Request:
If you accept, please know that this soft credit inquiry will likely not impact your credit

I took the plunge filling out my income and monthly mortgage payment and recieved a message asking to unlock Transunion. I did, clicked the continue button and recieved a 2-3 day message. Will update with results.

Re: Alliant Credit Union soft pull language for Visa CLI

FlaDude — Sun, 19 May 2024 02:38:00 GMT

Keep us posted!

Re: Alliant Credit Union soft pull language for Visa CLI

Xarquinn — Wed, 22 May 2024 16:34:55 GMT

**Update**

I recieved a decision about the CLI and it was a denial: "Income insufficient for amount of credit requested".

My DTI is around 38%. I owe ~50k on credit cards (all on promo rates between 0% and 5%) which is probally what spooked them. The score listed in the adverse action letter was 794 (TU).

No hard pull on Transunion or any other CRA.

Re: Alliant Credit Union soft pull language for Visa CLI

Anonymous — Wed, 22 May 2024 17:14:01 GMT

I read the subject as "Alliant Credit Union soft porn language for Visa CLI" which presumably says something about me, but certainly creates some interesting images...

Re: Alliant Credit Union soft pull language for Visa CLI

RootDet — Tue, 28 May 2024 18:17:33 GMT

I can confirm this is a soft pull now, but you need to not have TU frozen.

Re: Alliant Credit Union soft pull language for Visa CLI

CreditCuriosity — Tue, 28 May 2024 21:14:38 GMT

@RootDet wrote:
I can confirm this is a soft pull now, but you need to not have TU frozen.

Yep got a SP CLI as well with TU unfroozen went into review about a whole min or two before approved.