CLI--hard & soft pulls

[los_west]

I've cleaned up my credit, enough now to have several cards.  I have managed to pay all down to 0 as of 04/01/14, except for Home Depot (at about 10% utilization).

I would like to ask for some CLI.  Which cards do Hard Pulls?  Which ones do Soft ones?  Should I wait until the credit reports update?

I asked AMEX by pressing the button, but got the dreaded 7-10 day response.

I have Cap 1 Venture, Discover It, Costco AMEX, Bank of America Cash Rewards, Target, Walmart.

Thanks for your guidance in advance.

[gdale6]

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@los_west wrote:

I've cleaned up my credit, enough now to have several cards.  I have managed to pay all down to 0 as of 04/01/14, except for Home Depot (at about 10% utilization).

I would like to ask for some CLI.  Which cards do Hard Pulls?  Which ones do Soft ones?  Should I wait until the credit reports update?

I asked AMEX by pressing the button, but got the dreaded 7-10 day response.

I have Cap 1 Venture, Discover It, Costco AMEX, Bank of America Cash Rewards, Target, Walmart.

Thanks for your guidance in advance.

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SP will be Cap-1, Discover It, if HP is need can stop and not go thru with it. Walmart.

[Creditaddict]

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@los_west wrote:

I've cleaned up my credit, enough now to have several cards.  I have managed to pay all down to 0 as of 04/01/14, except for Home Depot (at about 10% utilization).

I would like to ask for some CLI.  Which cards do Hard Pulls?  Which ones do Soft ones?  Should I wait until the credit reports update?

I asked AMEX by pressing the button, but got the dreaded 7-10 day response.

I have Cap 1 Venture, Discover It, Costco AMEX, Bank of America Cash Rewards, Target, Walmart.

Thanks for your guidance in advance.

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1. Cap1 - sp

2. Discover - sp, if call they can tell if they need hp, if you do hp it's TU and you can ask to speak with underwriting if computer doesn't give what you want ( my partner and I just did 4500 to $9k.

3. BofA is hp TU, just go online and request huge line, then check back next day

4. Target- don't bother, no requests

5. Walmart - sp and you should be requesting every 4 months or credit solutions via back door number and ask huge and it's sp

[los_west]

Thanks.  Then I guess I won't bother asking B of A then.