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CLI offer from US Bank

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CreditCuriosity
Moderator Emeritus

Re: CLI offer from US Bank


@xenon3030 wrote:

@Curious_George2 wrote:

@CreditCuriosity wrote:

@xenon3030 wrote:

It was eventually a HP and it got blocked because myTUU was locked.


I wonder if it is something like say synchrony where reports got to be unfrozenn if you call credit solutions, but it is just a SP?  Not really worth the HP chance for me though to find this out.   Thanks for the additional DP on your experience


I have long wondered the same thing. But the alerts I get from the various monitoring services invariably say they attempted a hard pull on TU. I'm a bit skeptical that would happen if US Bank was just checking for unfrozenness. Just like you, I'm not willing to risk it. 

An intriguing potential insight popped up on Reddit this week. There's an informal AMA thread in r/CreditCards by someone who claims to have been a credit analyst at an unspecified big name CC issuer. Based on various clues, I think it's most likely US Bank. That person says most applications (and, impliedly, most CLI requests) are approved or disapproved automatically, by software. It's unclear whether those are SP or HP, because that whole system is a mystery to the poster. But they say every app that goes to manual review triggers an HP. Based on all this, my guess is that something about my file is causing my US Bank CLI requests to go to manual review, which in turn triggers the HP attempts. 


I called them and provided them the promo offer number in the letter. They said that depending on the profile, it would be either SP or HP but they cannot tell in advance whether it would be either SP or HP.

 

I would go for a CLI, if it would be only SP.


I suggest you lock your reports and try.  Just my 2 cents

Message 11 of 14
xenon3030
Valued Contributor

Re: CLI offer from US Bank


@CreditCuriosity wrote:


I suggest you lock your reports and try.  Just my 2 cents


This is what I am doing Smiley Happy. It is not worth to risk a HP.


Fico8: EX~EQ~TU~810 (12 month goal~840).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclay View.
Message 12 of 14
SouthJamaica
Mega Contributor

Re: CLI offer from US Bank


@CreditCuriosity wrote:

@xenon3030 wrote:

@Curious_George2 wrote:

@CreditCuriosity wrote:

@xenon3030 wrote:

It was eventually a HP and it got blocked because myTUU was locked.


I wonder if it is something like say synchrony where reports got to be unfrozenn if you call credit solutions, but it is just a SP?  Not really worth the HP chance for me though to find this out.   Thanks for the additional DP on your experience


I have long wondered the same thing. But the alerts I get from the various monitoring services invariably say they attempted a hard pull on TU. I'm a bit skeptical that would happen if US Bank was just checking for unfrozenness. Just like you, I'm not willing to risk it. 

An intriguing potential insight popped up on Reddit this week. There's an informal AMA thread in r/CreditCards by someone who claims to have been a credit analyst at an unspecified big name CC issuer. Based on various clues, I think it's most likely US Bank. That person says most applications (and, impliedly, most CLI requests) are approved or disapproved automatically, by software. It's unclear whether those are SP or HP, because that whole system is a mystery to the poster. But they say every app that goes to manual review triggers an HP. Based on all this, my guess is that something about my file is causing my US Bank CLI requests to go to manual review, which in turn triggers the HP attempts. 


I called them and provided them the promo offer number in the letter. They said that depending on the profile, it would be either SP or HP but they cannot tell in advance whether it would be either SP or HP.

 

I would go for a CLI, if it would be only SP.


I suggest you lock your reports and try.  Just my 2 cents


Locking the reports wouldn't block the soft pull too?


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 13 of 14
Curious_George2
Valued Contributor

Re: CLI offer from US Bank


@SouthJamaica wrote:

@CreditCuriosity wrote:

@xenon3030 wrote:

@Curious_George2 wrote:

@CreditCuriosity wrote:

@xenon3030 wrote:

It was eventually a HP and it got blocked because myTUU was locked.


I wonder if it is something like say synchrony where reports got to be unfrozenn if you call credit solutions, but it is just a SP?  Not really worth the HP chance for me though to find this out.   Thanks for the additional DP on your experience


I have long wondered the same thing. But the alerts I get from the various monitoring services invariably say they attempted a hard pull on TU. I'm a bit skeptical that would happen if US Bank was just checking for unfrozenness. Just like you, I'm not willing to risk it. 

An intriguing potential insight popped up on Reddit this week. There's an informal AMA thread in r/CreditCards by someone who claims to have been a credit analyst at an unspecified big name CC issuer. Based on various clues, I think it's most likely US Bank. That person says most applications (and, impliedly, most CLI requests) are approved or disapproved automatically, by software. It's unclear whether those are SP or HP, because that whole system is a mystery to the poster. But they say every app that goes to manual review triggers an HP. Based on all this, my guess is that something about my file is causing my US Bank CLI requests to go to manual review, which in turn triggers the HP attempts. 


I called them and provided them the promo offer number in the letter. They said that depending on the profile, it would be either SP or HP but they cannot tell in advance whether it would be either SP or HP.

 

I would go for a CLI, if it would be only SP.


I suggest you lock your reports and try.  Just my 2 cents


Locking the reports wouldn't block the soft pull too?


Nope. A few banks will stop when they see the freeze, but that's by choice. My reports get barraged with SPs, even though I keep all three frozen. 

On two occasions -- one CLI request and one card app -- I've had the issuer notice my freeze, then contact me and tell me I had to remove it for the request/app to be processed, but then they actually approved me anyway with the freeze still in place, and no HP. 

Message 14 of 14
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