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Reports for about the past two months is that the SCT is no more. Reports are that the credit application results in a hard pull. This is the first I have seen a 10-day message reported.
@Medic981 wrote:Welcome to the myFICO forums!
Reports for about the past two months is that the SCT is no more. Reports are that the credit application results in a hard pull. This is the first I have seen a 10-day message reported.
I thought this was the case as well Medic. I hadn't seen anyone get the 10-day message either, but what FinStar said makes sense about it being either denial or verification.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@RonM21 wrote:
@Medic981 wrote:Welcome to the myFICO forums!
Reports for about the past two months is that the SCT is no more. Reports are that the credit application results in a hard pull. This is the first I have seen a 10-day message reported.
I thought this was the case as well Medic. I hadn't seen anyone get the 10-day message either, but what FinStar said makes sense about it being either denial or verification.
I agree with the 10-day message being for either a denial or verification as this is what happens when you receive a 7-10 day message on a standard credit card application.
I also have a question (sorry if this is something I should already know). If the preapprove popup does not ask for my income or full ssn, can they still do a HP?
Usually, if you provide your name, address, and date of birth, a potential creditor can initiate a hard inquiry without even the last 4 of your SSN. All a potential creditor needs is your consent to pull your credit report. Your SSN just helps to verify your identity, especially if your name is John Smith or Jane Johnson.