Signing on with a CMS

[3darcher2]

If I sign on with a CMS like USAA (not currently  a member) or EIDT, do they do a hard pull?.

I really need a CMS where I can pull all three every day for now.  USAA seems to be the ticket - lowest cost and seems to have great customer service.  EIDT seems a little more shaky - I've seen where people suffered long delays (weeks) getting user IDs, etc.  It seems as if they are a very small company, and some could not get to a live person and wound up in perpetual voice mail. 

All in all I think I'd like to sign up for USAA but I don't want a pull.

[llecs]

All CMSs result in a soft pull. It doesn't harm your credit to subscribe to a CMS.

USAA resells the EX product and there isn't a hard pull to join USAA.

[3darcher2]

Thanks, I knew that the pulls were all soft, but I wasn't sure if you could join without getting a hard pull to become a member like most CUs.

[llecs]

USAA is unique in that it isn't a CU and you don't have to join in the conventional-sense. You do have to register but it's free with no pull.

[3darcher2]

Finally signed on today.  Seems like a good service.  Thanks for everyone's help.

[Anonymous]

Silly question alert!!

What do you mean when you say hard or soft pull?

[pizzadude]

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@Anonymous wrote:

Silly question alert!!

What do you mean when you say hard or soft pull?

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This is referring to inquiries.   Inquiries show on your credit reports as either hard or soft ~ usually classified on your report as those seen only by you ( soft ) and those shared with others ( hard ).     FICO scoring gives a minor score ding for hard inquiries but there is no score ding for soft inquiries.

Anytime you pull your own credit it will be a soft inquiry.   When creditors pull your credit report it can result in either a hard or soft inquiry.

[Anonymous]

Thanks Pizzadude!