Soft Inquiries impacting credit card applications?

[leo187um]

Do soft inquiries impact credit card applications? The focus seems to be on the # of hard inquiries but do some companies check soft inquiries to see whether an applicants is "seeking credit"?

[M_Smart007]

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@leo187um wrote:

Do soft inquiries impact credit card applications? The focus seems to be on the # of hard inquiries but do some companies check soft inquiries to see whether an applicants is "seeking credit"?

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@leo187um, No one else can see "soft inquiries" only you!

So to answer your question "zero" impact.

You can also see this [post]  for more reference.

[leo187um]

When I see my own credit report I see a section that says "Soft Inquiries"... lenders don't see this when they make a hard pull?

[M_Smart007]

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@leo187um wrote:

When I see my own credit report I see a section that says "Soft Inquiries"... lenders don't see this when they make a hard pull?

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@leo187um,

That is 100% correct. They cannot see it.

[leo187um]

ok - tnks!

[sarchin]

During my app spree around July 2021 I was approved for IKEA Projekt Card and Sportsman Guide Visa from Comenity.  I then tried the shopping cart trick and soft pull pre approvals for Comenity cards.  I wasn't wanting to actually get the cards, I was curious as to what the SL would be. I got quite the surprise when Comenity closed both of those cards for too many inquiries for their cards.  I did get approved for nine other cards on that app spree so I knew I pushed my luck lol.  Then four months later they started sending me preapproval emails for their Sony Visa.  I applied for it and got that card with a $1,450 SL so there's that.  I don't mess around like that with either Comenity or Synchrony anymore.

[Lou-natic]

Well yeah, just because lender B can't see your SPs for Lender A doesn't mean that Lender A didn't keep their own records. That's one reason I think why more and more banks keep "internal scores" on people and why just having 800+ FICOs can still mean subpar credit approvals. Big data is big business.

[805orbust]

Oh, @sarchin you crazy.  Nine!?!?!?  You've got some set on you.  I am impressed my friend... YOLO!!!!  😆😆😆

[sarchin]

@805orbust lol, thanks!