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Recode Hard Pull to Soft Pull Success out there?

AnxietyKitty
Member

Recode Hard Pull to Soft Pull Success out there?

Hello - Has anyone had success requesting a company recode their HP to a SP? I saw a post from a year ago claiming it’s possible and just to write the company. 

 

Is is a friendly simple letter just sufficient? Any details I should include? 

 

It is easy for companies to recode? Just curious. 

 

Hard Pulls from: 

Discover, Cap1, FNB OMAHA, & Synchrony Bank. 

 

Any suggestions or success stories would be greatly appreciated! 

 

 

 

 

Message 1 of 4
3 REPLIES 3
FireMedic1
Super Contributor

Re: Recode Hard Pull to Soft Pull Success out there?

Welcome. If you applied and it wasnt indentity theft. Nope. They fall off FICO after 1 yr and dont count any longer.

Message 2 of 4
AnxietyKitty
Member

Re: Recode Hard Pull to Soft Pull Success out there?

Firemedic - I noticed you had. BK 3 years ago. Is BB&T & Suntrust BK friendly? Saw you have those cards, wondering if in time they are worth it to apply for in the future? Thank you sir! 

Message 3 of 4
FireMedic1
Super Contributor

Re: Recode Hard Pull to Soft Pull Success out there?

I left SunTrust because they said after a year. Went to Chase and opened check/save. Joined here and saw 10 yrs for Chase. Went back to SunTrust and said I want to come back and open a check/save and applied for the Cash Rewards after being gone a year. 10 minutes later had all 3. BB&T took a shot and it was over 2 yrs post DC and got approved. Both cards I was tipping 700 on EQ.

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