topic Re: Soft Pull for Prequal? in Credit Cards

Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 05:09:09 GMT

I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild.

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 05:10:37 GMT

@DrDG wrote:
I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild.

It's verified.

If it says anywhere on the page that it will not affect your credit, It's a Soft Pull.

Re: Soft Pull for Prequal?

Ghoshida — Tue, 14 Oct 2014 05:11:25 GMT

@DrDG wrote:
I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild.

As long as they're not asking for your full social, you should be fine.

Also, they'll mention on the site something like "I understand this is not a credit application and will not affect my credit score" or something similar.

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 05:41:53 GMT

It does say that, but it IS asking for my full SS# and THAT is what's making nervous.

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 05:46:03 GMT

Capital One? You're in the wrong place. Go to website and click on credit cards then go to " find the right card" it'll be name, address and last four

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 05:54:51 GMT

Would you (if you wouldn't mind) please post a link?

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 05:57:10 GMT

Try this

https://findmycard.capitalone.com/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V02.aspx?external_id=WWW_LP058_XXX_SEM-Brand_Google_ZZ_ZZ_T_Home

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 05:58:12 GMT

Thank you so much!

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 06:01:16 GMT

Did it work?

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 06:04:55 GMT

Oh boy....I did it! says "Congratulations! We THINK you qualify" (I love how they say we think lol). However, I wonder if it ever says we DONT think you're qualified.... (Thanks again for the link)

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 06:11:07 GMT

@DrDG wrote:
Oh boy....I did it! says "Congratulations! We THINK you qualify" (I love how they say we think lol). However, I wonder if it ever says we DONT think you're qualified.... (Thanks again for the link)

Well, when I fill that thing out it always says "we couldn't match you to a card" or something like that, so you got more than I get. I've already got two cap 1's (platinum and QS1) and just got cli's on both a couple months ago. I never get pre qualified for any of them. Never once got a pre qual on the Barclay site (when it was there) but cold apped one night and got two of them.

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 06:15:47 GMT

Oh gosh....lol I'm so nervous. I'm waiting for one thing to drop off and i'm quite sure it will be off by the end of this week. Don't you think if I wait that I would maybe qualify for a higher limit?

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 06:18:26 GMT

@DrDG wrote:
Oh gosh....lol I'm so nervous. I'm waiting for one thing to drop off and i'm quite sure it will be off by the end of this week. Don't you think if I wait that I would maybe qualify for a higher limit?

Yes. Wait it out. Don't get impatient. Another week or two is nothing, you'll be glad you waited.

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 06:26:30 GMT

I really appreciate your help! Thanks a million! How can I find the same link for Barclay, Discover and AMEX?

Re: Soft Pull for Prequal?

Anonymous — Tue, 14 Oct 2014 06:29:03 GMT

Search works pretty great

Re: Soft Pull for Prequal?

DrDG — Tue, 14 Oct 2014 06:33:48 GMT

Thank you :-)