Soft Pull for Prequal?

[DrDG]

I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild. 

[Anonymous]

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@DrDG wrote:

I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild. 

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It's verified.

If it says anywhere on the page that it will not affect your credit, It's a Soft Pull.

[Ghoshida]

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@DrDG wrote:

I just wanted to verify that prequalifying does NOT affect your credt when applying for CC? I was going to give it a try with Capital One, Barclaycard and Discover, but how can I know for a fact that they will NOT do a hard pull. I don't want to lose points. I'm trying to rebuild. 

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As long as they're not asking for your full social, you should be fine. 

Also, they'll mention on the site something like "I understand this is not a credit application and will not affect my credit score" or something similar.

[DrDG]

It does say that, but it IS asking for my full SS# and THAT is what's making nervous.

[Anonymous]

Capital One? You're in the wrong place. Go to website and click on credit cards then go to " find the right card" it'll be name, address and last four

[DrDG]

Would you (if you wouldn't mind) please post a link?

[Anonymous]

Try this

https://findmycard.capitalone.com/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V02.aspx?external_id=WW...

[DrDG]

Thank you so much!

[Anonymous]

Did it work?

[DrDG]

Oh boy....I did it! says "Congratulations! We THINK you qualify" (I love how they say we think lol). However, I wonder if it ever says we DONT think you're qualified.... (Thanks again for the link)