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How does a SP or HP look on your CRs

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JMills
Frequent Contributor

How does a SP or HP look on your CRs

Ok I looking at my CR, and I wanted to know how does a SP/HP look on your report? I got VS from a preapproval  poup and I dont see it on my report. How does a SP look, what should I be looking for? Thanks in advance

Starting Score: EX: 705 EQ: 711 TU: 750 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2020

Last App: 05/06/202020 / In the Garden Until: 12/31/2024

Desired Scores EQ 800 EX 800 TU 800

PSCEU $20,000 Navy Signature $6,600 Navy Rewards $2,500
Message 1 of 19
18 REPLIES 18
Dubious
Frequent Contributor

Re: How does a SP or HP look on your CRs

Where are you getting your report from? 

 

If it's not directly from the CRAs, it won't show SPs.

Message 2 of 19
Simply827
Established Contributor

Re: How does a SP or HP look on your CRs

An HP will be on your report under inquiries and may have a notation about "able to be seen by others." You can see HPs on your reports directly from the bureaus as well as 3rd party servicing apps like Credit Karma. SPs on the other hand, can usually only be viewed on a report directly from the bureaus. They will fall under a category like "promotional inquiries" or "inquiries viewed only by you." The shopping cart trick yields SPs. Also, they might have pulled any 3 of the bureaus, so if you don't see it on one, check the others.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 3 of 19
JMills
Frequent Contributor

Re: How does a SP or HP look on your CRs

It was Experian, VS sent me a letter saying they couldn't verify me. I don't see it. Maybe it takes time? I see Past HPs under Credit inquries
Starting Score: EX: 705 EQ: 711 TU: 750 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2020

Last App: 05/06/202020 / In the Garden Until: 12/31/2024

Desired Scores EQ 800 EX 800 TU 800

PSCEU $20,000 Navy Signature $6,600 Navy Rewards $2,500
Message 4 of 19
JMills
Frequent Contributor

Re: How does a SP or HP look on your CRs

My reports are from Myfico.com
Starting Score: EX: 705 EQ: 711 TU: 750 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2020

Last App: 05/06/202020 / In the Garden Until: 12/31/2024

Desired Scores EQ 800 EX 800 TU 800

PSCEU $20,000 Navy Signature $6,600 Navy Rewards $2,500
Message 5 of 19
Dubious
Frequent Contributor

Re: How does a SP or HP look on your CRs

Reports from myFico don't show SPs, so you won't see it even if it's there. 

Message 6 of 19
Simply827
Established Contributor

Re: How does a SP or HP look on your CRs


@JMills wrote:
My reports are from Myfico.com

Then you won't be able to see SPs.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 7 of 19
myjourney
Super Contributor

Re: How does a SP or HP look on your CRs


@JMills wrote:
My reports are from Myfico.com

Doesn't show SP's sorry you have to get them EX EQ TU

 

edit Beat me to it simplySmiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 19
JMills
Frequent Contributor

Re: How does a SP or HP look on your CRs

Ok thanks, is it mandatory that I see a SP? Or it doesn't matter? Because I'm paying myfico monthly to get my scores. I don't want to pay someone else to see a SP
Starting Score: EX: 705 EQ: 711 TU: 750 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2020

Last App: 05/06/202020 / In the Garden Until: 12/31/2024

Desired Scores EQ 800 EX 800 TU 800

PSCEU $20,000 Navy Signature $6,600 Navy Rewards $2,500
Message 9 of 19
myjourney
Super Contributor

Re: How does a SP or HP look on your CRs


@JMills wrote:
Ok thanks, is it mandatory that I see a SP? Or it doesn't matter? Because I'm paying myfico monthly to get my scores. I don't want to pay someone else to see a SP

SP's have 2 benefits to me 

(1) I can see who may want to offer me credit

(2) when its time for a CLI on an existing account I can tell when they last reviewed my credit

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 19
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