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Soft pull
It's a soft pull most of the time. If they have to pull a report, it will let you know before it does it, so that you can cancel the request.
It's a soft pull most of the time. If you get a screen that says to call customer service to complete your request, it probably will end up being a hard pull. If you don't get that screen you are most likely good to go with a soft pull.
Also to be noted, if you're near or at $25K TCL, they will ask for POI if you CL already exceeds or your new CLI will exceed that $25K threshold...
