topic Re: Do Most Secured CCs Soft or Hard pull in Credit Cards

Do Most Secured CCs Soft or Hard pull

Anonymous — Thu, 04 Aug 2011 04:55:05 GMT

So, I just got off chat with a Capital One rep who didn't appear to know what he was talking about.

For most secured CCs (orchard/HBC, cap one secured, applied secured, etc), is there a hard pull involved somewhere in the application process or are all the reviews non-damaging?

Re: Do Most Secured CCs Soft or Hard pull

-Cain- — Thu, 04 Aug 2011 04:57:25 GMT

Most CCs will hard pull, even for secure. Public Savings may not do a pull though I believe.

Re: Do Most Secured CCs Soft or Hard pull

Anonymous — Thu, 04 Aug 2011 14:57:11 GMT

That's right, Public Savings is the only that doesn't hard pull.

Re: Do Most Secured CCs Soft or Hard pull

Datx — Fri, 05 Aug 2011 04:11:05 GMT

FYI, Cap One pulls all three CRAs for their cards. IMO, its a good secured card. Easy to add deposits later down the road to increase your limit. If you can find a good CU to join that offers a secured card, that would be the better option.

Re: Do Most Secured CCs Soft or Hard pull

kjm79 — Fri, 05 Aug 2011 20:22:00 GMT

@MyCreditStinks wrote:
FYI, Cap One pulls all three CRAs for their cards. IMO, its a good secured card. Easy to add deposits later down the road to increase your limit. If you can find a good CU to join that offers a secured card, that would be the better option.

I was under the impression Cap1 pulled all 3 as well. My DH went to app for a Cap1 thinking he would be declined actually (wanted to get EX score and he was told Cap1 pulled EX). He ended up being approved for the Cap1 and with the account disclosures they supplied his EQ FICO score. Checked reports and only EQ was pulled. It's been almost two weeks now and still only EQ...