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On an existing CC account, if I were to call my creditors and ask for a limit increase, is it a hard or soft pull? I have Capital One, USAA Amex and BOA.
USAA will be a HARD The others should be a soft....
@Vulcan1 wrote:On an existing CC account, if I were to call my creditors and ask for a limit increase, is it a hard or soft pull? I have Capital One, USAA Amex and BOA.
You probably don’t need another answer saying the exact same thing, but just think of it as triple verification.
USAA would be HP, but the others would be SP.
Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5% balance currently.
@Vulcan1 wrote:Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5% balance currently.
Probably not. You're already below the 8.9% threshold that typically optimimizes the utilization portion of your score.
@Vulcan1 wrote:Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5% balance currently.
To add, CLI requests for Home Depot are typically HP.