Re: CLI Hard or Soft Pull List

B335is · ‎06-11-2015

Nice list!! With the exception of Comenity, FNBO, Cap1 and Synchrony I usually expect a HP and consider myself lucky if it's SP.

needtodobetter · ‎06-12-2015

My Comenity luv button requests were just HPs - there isn't a disclosure that it will be either. I was bummed, but now I see that is pretty common for many. Looks like I will just wait for auto luv going forward ;-)

05/01/15: EQ 519 TU 541 EX 506
10/28/15: EQ 637 TU 646 EX 622
First Goal Score: 600
Second Goal Score: 640

Anonymous · ‎06-12-2015

@needtodobetter wrote:
My Comenity luv button requests were just HPs - there isn't a disclosure that it will be either. I was bummed, but now I see that is pretty common for many. Looks like I will just wait for auto luv going forward ;-)

Really? Did it look any different than when they would do SPs, like more questions or anything? Which cards did this?

Anonymous · ‎06-12-2015

Just got a CLI with FNBO. Was a HP for me.

Anonymous · ‎06-12-2015

@Anonymous wrote:
I can attest that best buy is HP, chase and Cap1 both HP for me.

Are you sure Cap One is a hard pull for a CLI for you? If so, you'd be the only one.

needtodobetter · ‎06-12-2015

@Anonymous wrote:
@needtodobetter wrote:
My Comenity luv button requests were just HPs - there isn't a disclosure that it will be either. I was bummed, but now I see that is pretty common for many. Looks like I will just wait for auto luv going forward ;-)
Really? Did it look any different than when they would do SPs, like more questions or anything? Which cards did this?

It didn't look any different - just asked for my income like always and the request cli button. It was for Loft and VS - HPs for both. If I had known they would be HPs, I probably wouldn't have tried for the VS because the 6th statement just cut and I have read on here that it is usually takes at least 9 months before CLIs are granted for VS. I was approved for a Loft CLI, but I got the "card is too new" for VS.

05/01/15: EQ 519 TU 541 EX 506
10/28/15: EQ 637 TU 646 EX 622
First Goal Score: 600
Second Goal Score: 640

jawbrkr · ‎06-19-2015

When I requested a CLI with Amex they did a HP which ticked me off. This was after I chatted with a CSR who advised it would be a SP AND the request was within 30 days of the initial HP used to grant me the card. I complained and even filed an official complaint and they never took the HP off my CR.

|| TU08: 811 || EQ08: 811 || EX08: 802 ||

Anonymous · ‎06-19-2015

FNBO is hard pull? Was thinking about hitting that button.. Maybe not now. Can't afford any more inq.

gdale6 · ‎06-19-2015

@Anonymous wrote:
FNBO is hard pull? Was thinking about hitting that button.. Maybe not now. Can't afford any more inq.

Call in and ask if there is a pre approved CLI available they will ask your income/rent expense and tell you yes or no. Using the luv buttons online are an HP