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Bank provided my credit score after doing a soft pull. Normal?

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cr101
Established Contributor

Bank provided my credit score after doing a soft pull. Normal?

LOL I feel like I just hit the jackpot for receiving free credit score updates. Do you know of any companies that provide your credit score when you do a soft pull? And, no, they've never done a hard pull. I opened the bank account a few weeks ago. 

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Anonymous
Not applicable

Re: Bank provided my credit score after doing a soft pull. Normal?


@cr101 wrote:

LOL I feel like I just hit the jackpot for receiving free credit score updates. Do you know of any companies that provide your credit score when you do a soft pull? And, no, they've never done a hard pull. I opened the bank account a few weeks ago. 


Depends on the context of the pull and a lot of other factors. Some banks that use risk-based pricing for the provision of credit products (meaning, they give different terms based on credit report) either provide those scores to people that are given credit on less-advantageous terms than some OR they just give the disclosure to all consumers. My guess is it is the latter, and due to a conservative approach to this process, have decided to give you your score. Did it have score ranges on it? 

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cr101
Established Contributor

Re: Bank provided my credit score after doing a soft pull. Normal?

it was the actual score. 

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Anonymous
Not applicable

Re: Bank provided my credit score after doing a soft pull. Normal?

Many. There was a list floating around here at one point.

Wells Fargo gives a free FICO montly off a soft pull. Experian.

 BECU goves you one monthly from TransUnion.

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Queen_Etherea
Valued Contributor

Re: Bank provided my credit score after doing a soft pull. Normal?

Whenever I request a CLI on any of my Synchrony accounts or Discover Card, I'll get the denial letter and it always has my score. Only time I don't is if I get an actual CLI. 

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
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