CLI Hard/Soft pull

[Anonymous]

@GApeachy 

Thanks for the reply! I don't have a credit monitoring service, There are so many, I don't know which one to use.  I think I read that during covid, some are free, not sure though.  Can you recommend a few?

[AllZero]

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@Anonymous wrote:

@GApeachy 

Thanks for the reply! I don't have a credit monitoring service, There are so many, I don't know which one to use.  I think I read that during covid, some are free, not sure though.  Can you recommend a few?

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$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Free credit reports (disregard the VantageScore 3.0 score) at:
Credit Karma for weekly TU and EQ reports.
WalletHub for daily TU report.

[GApeachy]

Btw, congrats (forgot sorry) and BoA doesn't do hp's for cli's anymore.  Comenity usually doesn't either and if they need to pull (hp) your report I do believe the verbiage is there. 

Soooooo, what kind of cli's did you get out of them? small, medium, large, or supersized? 

[Anonymous]

@AllZero 

Thank for the info, I really appreciate it!

[AllZero]

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@Anonymous wrote:

@pinkandgrey 

Sorry for specifying which CC's they were, I'm rather new to posting.

They were 2 Commenity bank CC's - JCREW and WILLIAMS SONOMA and 1 BANK AMERICA VISA.  Its been 4 days.

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Bank of America has converted to SP Soft Pull CLI Credit Limit Increase. YEMV Your Experience May Vary.

[AllZero]

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@Anonymous wrote:

@AllZero 

Thank for the info, I really appreciate it!

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You are welcome.

[Anonymous]

@GApeachy 

I did not know this, thanks for the info.  JCREW went form $750 to $3,500, Williams Sonoma went from $1,000 to $5,200 And BofA went from $3,500 to $9,600

[AllZero]

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@Wavester64 wrote:

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@AllZero wrote:

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@Anonymous wrote:

I requested a CLI and received it, how long until I know if it was a hard or soft pull?

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@Anonymous. Insufficient data provided to answer properly to your specific question.

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For the Trekkies "Insufficient Data is not sufficient Mr. Spock, I expect you to have sufficient data all the time!"  

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[Anonymous]

@GApeachy 

I forgot to mention, I dont have great credit with 651 last month and a few small collections from 5 years ago but paying.  I pay my CC"S in full monthly.  I have had these cards about 2 years

[GApeachy]

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@Anonymous wrote:

@GApeachy 

I did not know this, thanks for the info.  JCREW went form $750 to $3,500, Williams Sonoma went from $1,000 to $5,200 And BofA went from $3,500 to $9,600

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Oooooo, you got the Full Meal Deal, that's a some sweet $$$$ hauling.