KeyBank Mastercard No Hard Pull!!!

insidious28 · ‎11-04-2011

Applied for a Key Bank World Mastercard last wee and just got 2 letters from them today. One stating my Experian Fico score of 729 and the other one with my new World Mastercard with a CL of $7000. What's odd is that I checked all my credit reports today and no hard pulls from Key Bank at all. Weird that they would give a card without a hard pull. But I'm not complaining just odd.

Starting Score: EQ 686, TU 722, EX 702
Current Score: EQ 838 (01/08/14 MyFico), TU 836 (01/14/14 Wally), EX 832 (01/14/14 FNBO)
Goal Score: 800+ Across The Board

Take the FICO Fitness Challenge

FinanceGuy007 · ‎11-04-2011

May seem like a dumb question, but did you see the soft pulls? They had to see something to tell you your score.

Starting Score 12/29/2010: 475 EQ FICO
Current Score: 585 EQ FICO (10/10/11) 583 TU FICO (10/24/2011) 598 EX FICO (10/10/11)
Goal Score 12/29/2011: 600

Take the FICO Fitness Challenge

insidious28 · ‎11-04-2011

Yes soft pull from them but not hard inquiry. I don't even bank with them or have a preapproval letter from them. That's why it's odd.

Starting Score: EQ 686, TU 722, EX 702
Current Score: EQ 838 (01/08/14 MyFico), TU 836 (01/14/14 Wally), EX 832 (01/14/14 FNBO)
Goal Score: 800+ Across The Board

Take the FICO Fitness Challenge

FinanceGuy007 · ‎11-04-2011

Your just lucky...LOL They get the same information from a HARD pull as they do a SOFT, so maybe you got someone in training. I've had that happen. The newbie didn't know what a FROZEN FILE meant and when he/she couldn't access my file took it as I didn't have any credit.

Starting Score 12/29/2010: 475 EQ FICO
Current Score: 585 EQ FICO (10/10/11) 583 TU FICO (10/24/2011) 598 EX FICO (10/10/11)
Goal Score 12/29/2011: 600

Take the FICO Fitness Challenge

Anonymous · ‎11-04-2011

I've never even heard of Key Bank, but awesome CL, and that's also awesome no hard!!!

Congratulations!

Anonymous · ‎11-04-2011

Did you have any baddies on your report? I think my Experian score is about where yours is and I've been banking with Key for years. They've been trying to get me to refinance my car loan with them, but I've always been curious about the card.

Anonymous · ‎11-04-2011

@FinanceGuy007 wrote:
Your just lucky...LOL They get the same information from a HARD pull as they do a SOFT, so maybe you got someone in training. I've had that happen. The newbie didn't know what a FROZEN FILE meant and when he/she couldn't access my file took it as I didn't have any credit.

Banks do not get the same information from a soft pull... it is far more limited...

mxp114 · ‎11-04-2011

What info do they get from a soft? Never knew the difference.

Anonymous · ‎11-04-2011

I work for KeyBank. The credit card is backed by ELAN. They do give out pretty decent limits.

Anonymous · ‎11-04-2011

@Anonymous wrote:
I work for KeyBank. The credit card is backed by ELAN. They do give out pretty decent limits.

And ELAN, in turn, is wholly owned by U.S. Bank. Funny how the banking business works.