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SCT Not all Soft Pulls

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SCT Not all Soft Pulls

Been getting a lot of info in this forum and thought I would share an experience.  A lot of the info here and on the web in general says that SCTs are soft pulls if they only request the last of your social Not so. I did th sct with Gander Mountain MC. They only asked for the last 4 but it was a hard hit on TU. Was approved for $1500. 

Message 1 of 9
8 REPLIES 8
Frequent Contributor

Re: SCT Not all Soft Pulls

thanks for that info.  ive been wanting the SCT to pop up for me on gander.

FICO 8 10-17-2016 Equifax 634, Transunion 673, Experian 631

Quicksilver one, Cap1 Secured, Amazon Prime, DiscoverIT, Best Buy Visa, Paypal SC, Walmart Store, VicSecret, Jcrew, Gamestop, Barclays Apple, Target, Eddie Bauer, Overstock
Message 2 of 9
Established Contributor

Re: SCT Not all Soft Pulls

Most of the SCT cards that are offered as a major revolving not a store card are hard pulls. I don;t remember seeing any that weren't

Fico 8 starting scores 09/27/15 EQ: 646 TU: 622 EX: 668 5 collections 1 PR reporting across the board
Scores 06/30/16 EQ: 685 TU: 699 EX: 695 1 collection now reporting on EQ and EX and 1 PR on EQ
Current scores 11/4/2016 EQ 688 TU: 705 EX: 736 No collections no PR/Judgements Finally Clean
Message 3 of 9
Community Leader
Mega Contributor

Re: SCT Not all Soft Pulls

Ive read this as well, the visas/mc now seem to warrant hps .
#ChaseCreditCardHobby Enthusiast
2022
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Message 4 of 9
Valued Contributor

Re: SCT Not all Soft Pulls

OP, if you had read the posts, the MC/Visa cards have been hard pulls for well over a year now
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 5 of 9
Regular Contributor

Re: SCT Not all Soft Pulls

Hi Bear50....welcome to the forums!!

 

There has been a lot of talk around here that Comenity has started doing a HP for their Vias and MC branded cards...but the store cards seem to still rely on a SP for approval.

 

First off, congrats on getting a MC from them!  I am not lucky enough to get a SCT popup for one of those Visa/MC branded cards from Comenity :-(. There are some occasional threads about getting a Visa/MC without a HP...but those have become very rare.

 

My favorite term on here is YMMV (Your Mileage May Vary)...and it is soooo true.  With CCs and approvals, it can change at a moments notice weither you are in or out.

 

Congrat again on the approval!!

TU:801 / EQ:771 / EX:785 as of 12/8/19
Message 6 of 9
Valued Contributor

Re: SCT Not all Soft Pulls

Not entirely true. I was recently approved for the sportsman guide visa via SCT in July and it was not a hard pull. Also had the opportunity to get the William-Sonoma visa via SCT but declined it. It was a SP as well

763 INQs: 12773 INQs: 6763 INQs: 8UTIL: 3%AAoA: 3yr 6mosTotal Credit Line: $834,550
Message 7 of 9
Senior Contributor

Re: SCT Not all Soft Pulls

@ fltireguy  "OP, if you had read the posts, the MC/Visa cards have been hard pulls for well over a year now "

 

This isnt completely true. There is a way to make sure its a SP.  I did this with Sportsmans Guide Visa.  I went through checkout as guest and got the popup. I did not decline the offer I just simply closed the window and left.  Three weeks later I tried this again, again got the popup and again I closed the screen without declining the ofer.

About 3 weeks later, a get a preapproved offer in mail from Comenity  Luckily I had just got a copy of my EQ report and saw the SP coded as a PRM so I knew i wasnt going to get a HP.  I accepted offer on Sept 2nd, got my card, and still no HP.  this does work for Sportsmans but I dont know about the other mc/vs/disc cards.

 

@OP.  Congrats on Gander.Ive been trying for the popup with no success.  I wish Comenity would pull my TU likke they did for you




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2019 CCT EX 815 TU 824 EQ 825
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 8 of 9
Established Contributor

Re: SCT Not all Soft Pulls


@Meanmchine wrote:

@ fltireguy  "OP, if you had read the posts, the MC/Visa cards have been hard pulls for well over a year now "

 

This isnt completely true. There is a way to make sure its a SP.  I did this with Sportsmans Guide Visa.  I went through checkout as guest and got the popup. I did not decline the offer I just simply closed the window and left.  Three weeks later I tried this again, again got the popup and again I closed the screen without declining the ofer.

About 3 weeks later, a get a preapproved offer in mail from Comenity  Luckily I had just got a copy of my EQ report and saw the SP coded as a PRM so I knew i wasnt going to get a HP.  I accepted offer on Sept 2nd, got my card, and still no HP.  this does work for Sportsmans but I dont know about the other mc/vs/disc cards.

 

@OP.  Congrats on Gander.Ive been trying for the popup with no success.  I wish Comenity would pull my TU likke they did for you


Now that getting it in the mail made the difference, I've seen that one and it happened to me with Buckle and NYCO once I closed the Popup a few times, it came in the mail and the wording on the suggested there was no HP. Sometimes online it's hit or miss...it's more hit then anything though on the majors. Over a year ago it was a given you could get a SP.......but....lately..its been more HP

Fico 8 starting scores 09/27/15 EQ: 646 TU: 622 EX: 668 5 collections 1 PR reporting across the board
Scores 06/30/16 EQ: 685 TU: 699 EX: 695 1 collection now reporting on EQ and EX and 1 PR on EQ
Current scores 11/4/2016 EQ 688 TU: 705 EX: 736 No collections no PR/Judgements Finally Clean
Message 9 of 9
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