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TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

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Sharpism
Valued Member

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

Yes and thank you. Forgot to tag you in the reply. Much appreciated

Message 31 of 37
Aspireto850
Established Contributor

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

Been trying the link for the last two days with no luck. When I select 'not a client' it returns with no offers. When  I select 'current client' (have checking and savings) and enter user name/password the page proceeds with a 'loading' message that just continues to spin with the longest being 5 minutes and does nothing else. I immediately got a soft inquiry on EQ but it's still doing the same today.

 

Strange.........









Message 32 of 37
PointsBonus
Established Contributor

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

Do you know which bureau they softpull ? I wtn tot he last step and it said "it couldnt verify me digitally" and re apply. I thawed my Equifax but the other two have been frozen. I still havent recvied an alert for a hard pull. Although I was pre-approved for all of there card with a set interest rate and all. 








Message 33 of 37
dcp0524
Regular Contributor

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?


@PointsBonus wrote:

Do you know which bureau they softpull ? I wtn tot he last step and it said "it couldnt verify me digitally" and re apply. I thawed my Equifax but the other two have been frozen. I still havent recvied an alert for a hard pull. Although I was pre-approved for all of there card with a set interest rate and all. 


I've only ever known BB&T and now* Truist to soft pull (and if you get a hard pull) from Equifax. 

Total Revolving: $159,800 - Utilization: less than 1%

Bank/Loans:

Future Apps:

04/27/2023
FICO 8 - EX: 744 | TU: 772 | EQ: 763
VS 3.0 - EX: 759 | TU: 792 | EQ: 811
Message 34 of 37
UpperWeb
Established Member

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

Every time I do it , they [SP on Equifax.]I just looked at it real time "all the soft pulls all the way up to 1-15-2022." Says BB&T !!  Here you go I attached the Equifax image from 1-15-2022...screenshot-my.equifax.com-2022.01.15-13_16_40.png

 

Message 35 of 37
WavysMommy
Regular Contributor

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

I was denied. I didn't get an email as they said I would, but got a letter of denial. Basically inquiries and length of time from BK reporting are the reasons for denial.

 

It's all good. I figured I'd try. Back to gardening I go....lol

Message 36 of 37
nwa479
Regular Contributor

Re: TRUIST APPROVALS WITHOUT EVEN A SOFT PULL ON EQUIFAX,WHAT ?

@UpperWeb 

I clicked on the link to see what offers I'd get.  I'm in Arkansas so I wanted to see if they would do business in Arkansas. I got five offers. No SL was shown so the website may be different.  There was an Accept button for each of the following five offers. 

1) Truist Enjoy Cash (Option 1: 3-2-1%).  3% CB gas, 2% Grocery/Utility, 1% all other. 
2) Truist Enjoy Travel

3) Truist Enjoy Cash (Option 2: 1.5% CB). 
4) Truist Enjoy Beyond

5) Truist Future. 

I hit no thanks on the offers because I hadn't researched these cards or Truist ahead of time.  The 3% gas could be useful since I drive a lot.  I will look into Truist further.  Thanks for the link.  

 


Active cards

Goal Cards (Gardening until April 24)

My Fico Scores

Banks and Credit Unions:
Message 37 of 37
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