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I already had a Wayfair, so no SCT I've had to date. But question the soft pulls usually ask for the last 4 digits of SS# from what I've read, did it ask for only the last 4 digits on this preapproval or full SS# ?
Only asked for last 4 of social, yearly income and DOB. I know for sure that it was a preapproval, I exited out of the "checkout" process, went to main menu, then clicked on my account. On the left side was a a box that said you're preapproved. So I clicked on it and followed the steps.
I had the same thing happen to me, actually. 99.9% sure it was the pre-approval, only last 4 and all that fun stuff. HSN and Wayfair both dinged me, while OverStock did not. And IIRC I did have to do a full 9 digits with them, which is by default, I think? Did OS > HSN > Wayfair in that order.
A good rule of thumb is whenever you hit the SUBMIT button on a CLI or SCT or PREAPPROVAL be prepared to take an HP. If you cant afford to take an HP, dont hit the button
Congrats on your approval