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I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score?
What is the best way to get a copy of one's TU (or EQ/EX for that matter) credit report including soft pulls?
I just bought a car and Geico informed me that my TU credit report may have affected my rates. However the only TU inquiry listed on that date was a finance company that appeared to be related to the auto financing. I wonder, though, if the credit report I have listed shows only hard pulls and Geico did a soft pull.
How did I find out all credit inquiries including soft pulls for TU?
The used car market is very agressive here and cars are moving very fast.
I have a few cars I like at a dealership but I have to go through all the approval process etc.
If in deed I get approved and they don't have any cars I want to buy will another hard pull or inquiry at another dealer hurt my credit?
It's very Likely I may have to go to a different dealer as this one dealer only has a few cars in my price range. However there is another dealer with many more cars in my price range.
My scores aren't that great and I don't want to sink my score and ruin my chances of getting approved somewhere.
I also have about 4k I can put down on a car if I absolutely have to. I'm not sure if having 20 percent down matters.
Hello all! Quick question to make sure I understand this concept correctly. Because it would really suck if I am wrong and apply!
I am "pre-qualified" (via website) for multiple Capital One cards. I am rebuilding and need more unsecured cards. Lets say, hypothetically, I apply for three capital one cards. That's 3 pulls on each CRA. Nine total. My understanding, however, is that if I apply for all three on the same day, I will only incur ONE pull from Capital One on each CRA. Is that correct?
I hate the triple pull, but if I can get multiple cards out of it, I'll do it. I just don't want to be wrong and end up with 9 inquiries. I'd cry! Thanks for the help!
So I was trying out the 'shopping cart trick' to see which ones would offer me a pre-approval at checkout. I have not accepted any yet.
On Victoria's Secret, the pre-approval was $500.
On OneStopPlus, the pre-approval was $750.
I would have thought since all were based on soft-pulls and all are issued by same bank, the limits would be the same?
I can understand a higher opening limit if I was looking at Value City Furniture or maybe Sportsmens, as they sell so many large ticket items.
I will definitely go for the Victoria's Secret I think, as that would be one I could really use. But I would really like to add another. I do not have any other store cards.
What sort of credit limits have people received at the various Comenity stores when pre-approved during the shopping cart?
Advice on where I should try?