Alliant Credit Union soft pull language for Visa CLI

[Xarquinn]

It has been about 1.5 years since my last CLI request with Alliant (Hard Pull, 7.5k -> 10k).  Just recieved a blance transfer offer of 0% for 18 months.  Asked for a CLI through the Alliant wensite to avoid maxing out the card to take advantage of the offer without maxing out the card and noticed the following language:

Applicant Consent to Pull Credit in Conjunction with Your Loan Request:
If you accept, please know that this soft credit inquiry will likely not impact your credit

I took the plunge filling out my income and monthly mortgage payment and recieved a message asking to unlock Transunion.  I did, clicked the continue button and recieved a 2-3 day message.  Will update with results.

[FlaDude]

Keep us posted!

[Xarquinn]

**Update**

I recieved a decision about the CLI and it was a denial: "Income insufficient for amount of credit requested".

My DTI is around 38%.  I owe ~50k on credit cards (all on promo rates between 0% and 5%) which is probally what spooked them.  The score listed in the adverse action letter was 794 (TU). 

No hard pull on Transunion or any other CRA.

[Anonymous]

I read the subject as "Alliant Credit Union soft porn language for Visa CLI" which presumably says something about me, but certainly creates some interesting images... 

[RootDet]

I can confirm this is a soft pull now, but you need to not have TU frozen. 

[CreditCuriosity]

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@RootDet wrote:

I can confirm this is a soft pull now, but you need to not have TU frozen. 

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Yep got a SP CLI as well with TU unfroozen went into review about a whole min or two before approved.