topic Re: CLI Hard/Soft pull in General Credit Topics

CLI Hard/Soft pull

Anonymous — Sat, 18 Jul 2020 21:48:33 GMT

I requested a CLI and received it, how long until I know if it was a hard or soft pull?

Re: CLI Hard/Soft pull

AllZero — Sat, 18 Jul 2020 22:32:21 GMT

@Anonymous wrote:
I requested a CLI and received it, how long until I know if it was a hard or soft pull?

@Anonymous. Insufficient data provided to answer properly to your specific question.

Re: CLI Hard/Soft pull

pinkandgrey — Sat, 18 Jul 2020 23:12:22 GMT

What card was it? Some lenders always do soft and some always do hard. Usually, if there would be a hard pull, there would be language in the CLI request to indicate that.

Re: CLI Hard/Soft pull

M_Smart007 — Sun, 19 Jul 2020 01:43:17 GMT

@Anonymous wrote:
I requested a CLI and received it, how long until I know if it was a hard or soft pull?

What card did you ask for a CLI on?

Re: CLI Hard/Soft pull

RadioRob — Sun, 19 Jul 2020 01:51:52 GMT

A hard pull is recorded almost instantly. When the report is pulled it is available on the file. The question is when you get notice if you’re using any monitoring service. Some get it to you very quickly others not so much.

I applied for a HP CLI and knew what bureau was pulled before the agent.

As others said it depends on the card. Some never HP a CLI and some exclusively HP. Lol

Re: CLI Hard/Soft pull

Wavester64 — Sun, 19 Jul 2020 12:55:13 GMT

@AllZero wrote:
@Anonymous wrote:
I requested a CLI and received it, how long until I know if it was a hard or soft pull?
@Anonymous. Insufficient data provided to answer properly to your specific question.

For the Trekkies "Insufficient Data is not sufficient Mr. Spock, I expect you to have sufficient data all the time!"

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 19:56:18 GMT

@pinkandgrey

Sorry for specifying which CC's they were, I'm rather new to posting.

They were 2 Commenity bank CC's - JCREW and WILLIAMS SONOMA and 1 BANK AMERICA VISA. Its been 4 days.

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 19:57:28 GMT

@M_Smart007

2 Comenity and 1 Bank America Visa

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 19:59:25 GMT

@RadioRob

Thanks for the info

Re: CLI Hard/Soft pull

GApeachy — Sun, 19 Jul 2020 20:04:50 GMT

@Anonymous wrote:
They were 2 Commenity bank CC's - JCREW and WILLIAMS SONOMA and 1 BANK AMERICA VISA. Its been 4 days.

If it's been 4 days and you haven't gotten a notice from any credit monitoring service it's probably safe to say those were sp's. So the million dollar question is do you have a monitoring service you subscribe to? If so, which one(s)?

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 20:09:37 GMT

@GApeachy

Thanks for the reply! I don't have a credit monitoring service, There are so many, I don't know which one to use. I think I read that during covid, some are free, not sure though. Can you recommend a few?

Re: CLI Hard/Soft pull

AllZero — Sun, 19 Jul 2020 20:10:58 GMT

@Anonymous wrote:
@GApeachy
Thanks for the reply! I don't have a credit monitoring service, There are so many, I don't know which one to use. I think I read that during covid, some are free, not sure though. Can you recommend a few?

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Free credit reports (disregard the VantageScore 3.0 score) at:
Credit Karma for weekly TU and EQ reports.
WalletHub for daily TU report.

Re: CLI Hard/Soft pull

GApeachy — Sun, 19 Jul 2020 20:13:57 GMT

Btw, congrats (forgot sorry) and BoA doesn't do hp's for cli's anymore. Comenity usually doesn't either and if they need to pull (hp) your report I do believe the verbiage is there.

Soooooo, what kind of cli's did you get out of them? small, medium, large, or supersized?

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 20:14:26 GMT

@AllZero

Thank for the info, I really appreciate it!

Re: CLI Hard/Soft pull

AllZero — Sun, 19 Jul 2020 20:15:04 GMT

@Anonymous wrote:
@pinkandgrey
Sorry for specifying which CC's they were, I'm rather new to posting.

They were 2 Commenity bank CC's - JCREW and WILLIAMS SONOMA and 1 BANK AMERICA VISA. Its been 4 days.

Bank of America has converted to SP Soft Pull CLI Credit Limit Increase. YEMV Your Experience May Vary.

Re: CLI Hard/Soft pull

AllZero — Sun, 19 Jul 2020 20:15:47 GMT

@Anonymous wrote:
@AllZero
Thank for the info, I really appreciate it!

You are welcome.

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 20:18:40 GMT

@GApeachy

I did not know this, thanks for the info. JCREW went form $750 to $3,500, Williams Sonoma went from $1,000 to $5,200 And BofA went from $3,500 to $9,600

Re: CLI Hard/Soft pull

AllZero — Sun, 19 Jul 2020 20:18:43 GMT

@Wavester64 wrote:
@AllZero wrote:
@Anonymous wrote:
I requested a CLI and received it, how long until I know if it was a hard or soft pull?
@Anonymous. Insufficient data provided to answer properly to your specific question.
For the Trekkies "Insufficient Data is not sufficient Mr. Spock, I expect you to have sufficient data all the time!"

Re: CLI Hard/Soft pull

Anonymous — Sun, 19 Jul 2020 20:22:34 GMT

@GApeachy

I forgot to mention, I dont have great credit with 651 last month and a few small collections from 5 years ago but paying. I pay my CC"S in full monthly. I have had these cards about 2 years

Re: CLI Hard/Soft pull

GApeachy — Sun, 19 Jul 2020 20:24:09 GMT

@Anonymous wrote:
@GApeachy

I did not know this, thanks for the info. JCREW went form $750 to $3,500, Williams Sonoma went from $1,000 to $5,200 And BofA went from $3,500 to $9,600

Oooooo, you got the Full Meal Deal, that's a some sweet $$$$ hauling.