topic Re: Barclays CLI soft pull YMMV in Credit Cards

Barclays CLI soft pull YMMV

Anonymous — Wed, 01 Feb 2012 00:41:09 GMT

So tried calling barclays for a CLI on my travelocity rewards card which had a $1000 limit. I had a freeze on my TU which they tend to pull, the analyst put me on a hold and she said she is going to pull my credit report, i was waiting for her to come back and ask me about my freeze, but volla she comes back and says i am approved for $4500( i had asked for $5000). This news made my day. Saved an enquiry and got a much deserved CLI.

Hope this this helps out other members looking for a CLI but not ready for a hard pull.

My TU fico was around 690, and time since this card was open is about 4 months.

EDIT: ALL my 3 credit reports have a freeze. SO its a softpull.

Re: Barclays CLI soft pull YMMV

CS800 — Wed, 01 Feb 2012 00:36:53 GMT

@Anonymous wrote:
So tried calling barclays for a CLI on my travelocity rewards card which had a $1000 limit. I had a freeze on my TU which they tend to pull, the analyst put me on a hold and she said she is going to pull my credit report, i was waiting for her to come back and ask me about my freeze, but volla she comes back and says i am approved for $4500( i had asked for $5000). This news made my day. Saved an enquiry and got a much deserved CLI.

Hope this this helps out other members looking for a CLI but not ready for a hard pull.
My TU fico was around 690, and time since this card was open is about 4 months.

Congrats !!

Now that makes me wonder if they didnt pull another report?

If no, that means, they can do CLI's with SP's

Re: Barclays CLI soft pull YMMV

Anonymous — Wed, 01 Feb 2012 00:42:45 GMT

Good question

I have a freeze on all my 3 reports. So its definetly a soft pull.

Re: Barclays CLI soft pull YMMV

CS800 — Wed, 01 Feb 2012 00:45:30 GMT

@Anonymous wrote:
Good question
I have a freeze on all my 3 reports. So its definetly a soft pull.

Lucky you

Re: Barclays CLI soft pull YMMV

bichonmom — Wed, 01 Feb 2012 00:49:37 GMT

They did a 2nd HP on my when I called the day after being approved for a CLI/recon. It was *supposed to* be soft, but they did 2 HP. If you want to guarantee no HP, you need to have your reports frozen. My hunch is if your reports weren't frozen, they'd have HP you. Others here have posted HPs w/Barclay's CLI.

Congrats on the great CLI! Amazing increase after only 4mos!

Re: Barclays CLI soft pull YMMV

CS800 — Wed, 01 Feb 2012 00:54:26 GMT

@bichonmom wrote:
They did a 2nd HP on my when I called the day after being approved for a CLI/recon. It was *supposed to* be soft, but they did 2 HP. If you want to guarantee no HP, you need to have your reports frozen. My hunch is if your reports weren't frozen, they'd have HP you. Others here have posted HPs w/Barclay's CLI.

Congrats on the great CLI! Amazing increase after only 4mos!

Bichon, Op was just lucky that his reports were frozen.

But if its done purposefully to avoid a HP, I think it would be on the unethical side.

Re: Barclays CLI soft pull YMMV

Anonymous — Wed, 01 Feb 2012 01:01:30 GMT

@Anonymous wrote:
So tried calling barclays for a CLI on my travelocity rewards card which had a $1000 limit. I had a freeze on my TU which they tend to pull, the analyst put me on a hold and she said she is going to pull my credit report, i was waiting for her to come back and ask me about my freeze, but volla she comes back and says i am approved for $4500( i had asked for $5000). This news made my day. Saved an enquiry and got a much deserved CLI.

Hope this this helps out other members looking for a CLI but not ready for a hard pull.
My TU fico was around 690, and time since this card was open is about 4 months.

EDIT: ALL my 3 credit reports have a freeze. SO its a softpull.

Correct me if I'm wrong but from what I have heard is that as long as you have a relationship with a creditor they can soft your reports anytime they want and they can hard pull your reports for customer initiated CLI's even with a security freeze on it. Like I said this is what I heard. Please anyone else chime in on this. A creditor can still hard pull even with freezes in place cause you have a relationship with them. This is what I have heard.

Re: Barclays CLI soft pull YMMV

Anonymous — Wed, 01 Feb 2012 01:20:45 GMT

No thats not true. A hard pull is not possible when you have a freeze on your report.

A good example is my other card from NFCU. I initiated a CLI on that too, but was declined because my equifax report was frozen.

They said the only way to get a CLI was to lift the freeze on my report and hence resulting in a hard pull.

Re: Barclays CLI soft pull YMMV

LS2982 — Wed, 01 Feb 2012 01:49:13 GMT

this is good news! i can stay HP free for the year now!

Re: Barclays CLI soft pull YMMV

bichonmom — Wed, 01 Feb 2012 01:52:14 GMT

@CS800 wrote:
Bichon, Op was just lucky that his reports were frozen.

But if its done purposefully to avoid a HP, I think it would be on the unethical side.

@I agree. It is also expensive @ $10 each time! And with Murphy's Law, they'd undoubtedly require a HP.

Re: Barclays CLI soft pull YMMV

bichonmom — Wed, 01 Feb 2012 01:54:26 GMT

@Anonymous wrote:
Correct me if I'm wrong but from what I have heard is that as long as you have a relationship with a creditor they can soft your reports anytime they want and they can hard pull your reports for customer initiated CLI's even with a security freeze on it. Like I said this is what I heard. Please anyone else chime in on this. A creditor can still hard pull even with freezes in place cause you have a relationship with them. This is what I have heard.

Yes, your creditors can SP you anytime they want -- credit freeze or no. The thing is that a lot of CCCs require a HP for a CLI, even though they *can* soft you. Personally, I think they want the HP to show up on your CR intentionally. There's no other reason that I can think of for current creditors to require a HP.

Re: Barclays CLI soft pull YMMV

LS2982 — Wed, 01 Feb 2012 01:55:10 GMT

Its not done purposely if youve had all 3 froze for awhile before you initiated CLI request, only if you did it jut to try to avoid HP.

Re: Barclays CLI soft pull YMMV

CS800 — Wed, 01 Feb 2012 02:00:17 GMT

@bichonmom wrote:
@CS800 wrote:
Bichon, Op was just lucky that his reports were frozen.

But if its done purposefully to avoid a HP, I think it would be on the unethical side.
@I agree. It is also expensive @ $10 each time! And with Murphy's Law, they'd undoubtedly require a HP.

I know it's a shot in the dark to freeze and unfreeze. It would make sense if I knew i was not going to need anything and freeze for a year.

Re: Barclays CLI soft pull YMMV

Elated — Wed, 01 Feb 2012 12:45:32 GMT

Stud007, I would love to receive a CLI on my Barclays Juniper CC, but I just don't want to endure a HP to do it. I'm in the middle of obtaining a mortgage right now, so I have to wait another 2 weeks. Even then I don't think I will do it however, I will just wait until they Auto CLI, which I was told they do every 6 mos by a credit analyst. Right now I have a $0 balance, so I guess it really doesn't matter anyway. I just was merely trying to increase my available credit to increase my credit score.

Thanks for the info though!

Re: Barclays CLI soft pull YMMV

whydoineedaname — Thu, 03 Apr 2014 03:35:11 GMT

From the experian site pertaining to security freeze:

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

So you might want to double check your report before you do the happy dance...

Re: Barclays CLI soft pull YMMV

09Lexie — Thu, 03 Apr 2014 03:40:52 GMT

@whydoineedaname wrote:
From the experian site pertaining to security freeze:

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

So you might want to double check your report before you do the happy dance...

Thread is two years old. Hopefully, the cli worked out for the OP

Lexie