Greetings Everyone,
I was reading the threads and came across the BB&T soft pull info. I decided to try my hand and was prequalified for all 3 cards! So I continued to app for the Spectrum and received the message that it could not be processed I would have to go in branch to continue with the app. I knew that if I decided to do that, it would be a definitely hard pull. I checked my reports and noticed that it was a soft pull. So I said why not, visited a branch the following day and sat down with a rep and was approved for my first $5000 SL. Needless to say, I was ecstatic. I love each and every one of you with the imparting of this priceless knowledge in order to build strong financials for future success.
I must say I would agree that they are not inquiry sensitive and new account sensitive.
Data Points:
FICO 8 EQ - 683 9 inq
FICO 8 TU - 699 13 inq
FICO 8 EX - 690 6 inq
Inquiries all with the last 6 months due to new car lease.
AAOA - 2y 6mo
I was reading the threads and came across the BB&T soft pull info. I decided to try my hand and was prequalified for all 3 cards! So I continued to app for the Spectrum and received the message that it could not be processed I would have to go in branch to continue with the app. I knew that if I decided to do that, it would be a definitely hard pull. I checked my reports and noticed that it was a soft pull. So I said why not, visited a branch the following day and sat down with a rep and was approved for my first $5000 SL. Needless to say, I was ecstatic. I love each and every one of you with the imparting of this priceless knowledge in order to build strong financials for future success.
I must say I would agree that they are not inquiry sensitive and new account sensitive.
Data Points:
FICO 8 EQ - 683 9 inq
FICO 8 TU - 699 13 inq
FICO 8 EX - 690 6 inq
Inquiries all with the last 6 months due to new car lease.
AAOA - 2y 6mo
Congrats on the approval!
Congrats on the approval!
Grats on the new card 
Thanks so much everyone for your support! I think I have the "Approval Itch"...uh oh...lol
@Emierja99 wrote:
Greetings Everyone,
I was reading the threads and came across the BB&T soft pull info. I decided to try my hand and was prequalified for all 3 cards! So I continued to app for the Spectrum and received the message that it could not be processed I would have to go in branch to continue with the app. I knew that if I decided to do that, it would be a definitely hard pull. I checked my reports and noticed that it was a soft pull. So I said why not, visited a branch the following day and sat down with a rep and was approved for my first $5000 SL. Needless to say, I was ecstatic. I love each and every one of you with the imparting of this priceless knowledge in order to build strong financials for future success.
I must say I would agree that they are not inquiry sensitive and new account sensitive.
Data Points:
FICO 8 EQ - 683 9 inq
FICO 8 TU - 699 13 inq
FICO 8 EX - 690 6 inq
Inquiries all with the last 6 months due to new car lease.
AAOA - 2y 6mo
AU
