Author Topic: Getting Approved For A CC With A Soft Pull  (Read 10324 times)

Offline Mendel93

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Getting Approved For A CC With A Soft Pull
« on: December 09, 2015, 12:24:14 PM »
There are those companies that offer credit rebuilding and credit card approvals for multiple cards at once with just a "soft inquiry" on your credit report. How's that possible? I tried googling and found that when getting in the mail preapproved offers this is done by a soft inquiry, couldn't find anything related to what I was looking, here on DDF I didn't find anything either. Does anyone have any Info how this is done?

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #1 on: December 09, 2015, 12:33:50 PM »
Pre approvals are always soft pulls. There are ways to get credit with just a soft pull, but most standard issuing banks perform a hard pull.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Emkay

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Re: Getting Approved For A CC With A Soft Pull
« Reply #2 on: December 09, 2015, 12:35:32 PM »
Pre approvals are always soft pulls.
not the approval. the pre approval letter

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #3 on: December 09, 2015, 12:37:58 PM »
not the approval. the pre approval letter
Yup, that's what i meant. Sorry if i was unclear.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #4 on: December 09, 2015, 12:39:19 PM »
Pre approvals are always soft pulls. There are ways to get credit with just a soft pull, but most standard issuing banks perform a hard pull.
If " There are ways" please share them with us, Thank you!

not the approval. the pre approval letter
That's right.

Offline incendia

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Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #6 on: December 09, 2015, 12:40:37 PM »
Google NASA credit union soft pull, for example. PenFed is a hard pull to join, but they give soft pull pre approved lines of credit once you're a member. Ask Mendelssohn for some help, or look around on credit boards.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline David Smith

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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #8 on: December 09, 2015, 12:43:58 PM »
http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/
Yup, was about to write this. Thanks.
"Credit limits on these cards are extremely low, usually $500 or less" This is not what those companies are offering they are offering 50K credit limits divided in a few cards (4-5 cards depending on credit history)

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #9 on: December 09, 2015, 01:34:50 PM »
Google NASA credit union soft pull, for example. PenFed is a hard pull to join, but they give soft pull pre approved lines of credit once you're a member. Ask Mendelssohn for some help, or look around on credit boards.

Nasa credit union is a hard pull, confirmed that via chat on their website, so I'm back to step one, how can we get approved for multiple cards at once with a soft pull? 

Offline Buruch

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Re: Getting Approved For A CC With A Soft Pull
« Reply #10 on: December 09, 2015, 01:41:07 PM »
If it's soft,  why the need for multiple at once?

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #11 on: December 09, 2015, 02:10:49 PM »
If it's soft,  why the need for multiple at once?
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.

Offline yakrot

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Getting Approved For A CC With A Soft Pull
« Reply #12 on: December 09, 2015, 02:35:16 PM »
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.
who are these companies that you are referring to? Can you share a picture of the advertisement you saw this in? How do you know these companies are not simply lying to you?

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #13 on: December 09, 2015, 02:35:26 PM »
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.

I don't know which company you're referring to, but the SCT is pretty much the only soft app you'll get. (Not recommended at all to have a bunch of toy cards)

What's your current profile look like?

I wouldn't worry about inquiries that much


Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #14 on: December 09, 2015, 02:58:16 PM »
who are these companies that you are referring to? Can you share a picture of the advertisement you saw this in? How do you know these companies are not simply lying to you?
"Supreme Help | 5308 13th Ave, Suite 108 | Brooklyn | NY | 11219"
They are a known company helping people rebuild credit, I'm not referring to this specific company there are a lot of heimishe companies offering it. And yes offering credit cards up to 50K all with a soft pull.