topic Re: Soft Pull Preapproval Besides HSBC and BOA? in Credit Cards

Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sat, 29 Dec 2007 08:33:24 GMT

Anyone know of any others?

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sat, 29 Dec 2007 08:55:07 GMT

heirophant wrote:
Anyone know of any others?

Besides the two you mentioned, Capital One and Spiegel.

WaMu also has a preapproval form, but you have to create a user name on their website first.

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sat, 29 Dec 2007 09:01:49 GMT

CapOne doesn't count. They don't do a soft pull. They ask you to categorize your credit as "poor/lacking", "above average","Good", and "Excellent."

Never heard of Spiegel. Do you have a link?

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sat, 29 Dec 2007 09:12:02 GMT

heirophant wrote:
CapOne doesn't count. They don't do a soft pull. They ask you to categorize your credit as "poor/lacking", "above average","Good", and "Excellent."

Never heard of Spiegel. Do you have a link?

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=5288

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sat, 29 Dec 2007 09:19:01 GMT

heirophant wrote:
CapOne doesn't count. They don't do a soft pull. They ask you to categorize your credit as "poor/lacking", "above average","Good", and "Excellent."

Never heard of Spiegel. Do you have a link?

BTW, CapOne is a soft pull. I don't know why they ask you to estimate your own credit rating, but I've checked that page every few weeks, using a different credit rating each time.

They offer me the same cards with the same terms every time, whether I say I have "Excellent" credit or "Needs some improvement."

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sat, 29 Dec 2007 09:38:37 GMT

Wow, I stand corrected. I just tried CapOne with Excellent and poor and it gave me the exact same options.

About the Spiegel and all the other cards, World Financial Network National Bank's website http://www.wfnnb.net/ is still under construction. Gives me great faith in that company if they don't even have a functioning website in this day and age. Plus, I just don't clothes shop unless I happen to be at Fred Meyer (known by those that live in the Northwest) or Sears...you know, one stop shopping. It was pretty funny when I heard them talking about EB in the above-listed post and I thought EB Games. Eddie Bauer didn't even come to mind. I was all excited.

Anyone else know of more soft-pull preapprovals?

Re: Soft Pull Preapproval Besides HSBC and BOA?

haulingthescoreup — Sat, 29 Dec 2007 13:26:39 GMT

@heirophant wrote:

Wow, I stand corrected. I just tried CapOne with Excellent and poor and it gave me the exact same options.

About the Spiegel and all the other cards, World Financial Network National Bank's website http://www.wfnnb.net/ is still under construction. Gives me great faith in that company if they don't even have a functioning website in this day and age. Plus, I just don't clothes shop unless I happen to be at Fred Meyer (known by those that live in the Northwest) or Sears...you know, one stop shopping. It was pretty funny when I heard them talking about EB in the above-listed post and I thought EB Games. Eddie Bauer didn't even come to mind. I was all excited.

Anyone else know of more soft-pull preapprovals?

Yikes, stay away from WFN if you can! My J.Crew card from heck is mismanaged by them, and you wouldn't believe what I have to go through to get anything to show up on my reports. I finally had to dispute balance, so that the CRA's would show that the card is being used, and then I paid it off. Now the CRA's don't show that it was paid off, so I guess I'll have to dispute balance again to get the $0 balance to show. sheesh

They claim that they report every Friday, and that the bureaus take 60 - 90 days to update (funny, not true of any other of my TL's.) Any they don't even create a statement until a charge has been lying around for 3 weeks or so. Just the weirdest site I have ever been on!

Anyway, sorry for the OT. I haven't heard of any other soft preapprovals.

Re: Soft Pull Preapproval Besides HSBC and BOA?

haulingthescoreup — Sat, 29 Dec 2007 13:35:23 GMT

OK, so I'm bored and avoiding housework, and I decided to play with the HSBC site (no, don't want one of theirs!) Anyway, it's not really clear that this is just a soft, although it does sort of look that way. But at the bottom of the first page is this:

Notice:
By completing the Pre-qualification Form and clicking on the Continue Application button, you are giving HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. written authorization to access your credit profile for Pre-qualification purposes and no other.

So, this "access your credit profile for Pre-qual purposes and not other" --that means a soft with a -PRM prefix, right? It's really, really not a hard?

kinda poking at the anthill, here!

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sat, 29 Dec 2007 14:25:00 GMT

No hard inquiry has ever shown up when I have done it on TC. And I did it 3 weeks ago for kicks. My Chase inquiry showed up instantly. Although, nothing decent popped up, so I left with my tail between my legs. I already have a pretty good card through them, though. Unlike a lot of people on this forum, I'm pretty satisfied with my HSBC experience.

Message Edited by heirophant on 12-29-2007 06:25 AM

Re: Soft Pull Preapproval Besides HSBC and BOA?

haulingthescoreup — Sat, 29 Dec 2007 14:27:15 GMT

You did it through TC? You mean one of the ads over on the side when you pull your TrueCredit reports?

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sat, 29 Dec 2007 14:30:53 GMT

No, I checked after doing it. And it hasn't shown up yet.

Re: Soft Pull Preapproval Besides HSBC and BOA?

haulingthescoreup — Sat, 29 Dec 2007 14:31:43 GMT

gotcha --thanks!

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sat, 29 Dec 2007 16:16:18 GMT

WAMU - has one

I have no idea if they soft or just look into their system for pre-approval offers.

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sun, 30 Dec 2007 05:18:34 GMT

I think you have to have a WaMu account to get preapproved offers. It says look for preapproved offers, then asks if you have a wamu id. If you select no, it just comes up with an app for their platinum.

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sun, 30 Dec 2007 05:25:50 GMT

heirophant wrote:
I think you have to have a WaMu account to get preapproved offers. It says look for preapproved offers, then asks if you have a wamu id. If you select no, it just comes up with an app for their platinum.

As I mentioned before, you do need a WaMu Login ID to get preapproval, but I don't think you need an actual WaMu account to sign up for one.

From the home page click "Log In". Then under the "New Customers" section, click "Sign Up".

One of the options when signing up for a Login ID is "I don't have a WaMu account."

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sun, 30 Dec 2007 05:29:06 GMT

cheddar wrote:

heirophant wrote:
I think you have to have a WaMu account to get preapproved offers. It says look for preapproved offers, then asks if you have a wamu id. If you select no, it just comes up with an app for their platinum.

As I mentioned before, you do need a WaMu Login ID to get preapproval, but I don't think you need an actual WaMu account to sign up for one.

From the home page click "Log In". Then under the "New Customers" section, click "Sign Up".

One of the options when signing up for a Login ID is "I don't have a WaMu account."

i don't have a wamu account, but was able to get a user id. no pre-approval showed for me though.

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sun, 30 Dec 2007 06:22:38 GMT

Errr....system unavailable message came back after clicking submit on the last step. I will try to create a user id later tonight again.

Re: Soft Pull Preapproval Besides HSBC and BOA?

Anonymous — Sun, 30 Dec 2007 06:25:28 GMT

heirophant wrote:
Errr....system unavailable message came back after clicking submit on the last step. I will try to create a user id later tonight again.

Best to just wait until the morning. WaMu's system becomes unavailable every Saturday night at about this time and doesn't come back until the wee hours.

Annoying for night owls like me who want to reconcile their accounts on the weekend.

Re: Soft Pull Preapproval Besides HSBC and BOA?

heirophant — Sun, 30 Dec 2007 20:43:27 GMT

I don't think WaMu's is a preapproval. I came to this conclusion because when I signed up for a user ID, it didn't really ask me for any identifying information except my birthday. In my estimation there are a few thousand of us around the country with the same name and same birthdate. I have a very common name. If they asked for an address, then I might see that it is a preapproval. I just got the same offer I got when I didn't log in. And even at that, it didn't say "Hey, you are preapproved for ..." It just came up with the app again.