rocko

Soft or Hard inquiry

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I have had a B of A secured card for better than a year now. I want to apply for unsecured card and B of A says they will have to do a credit check.

My question since I am already doing business with them will this show up on my credit report as a soft or hard pull?

Thanks Rocko

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That varies from lender to lender, you need to call them and ask them before you decide to let them pull the credit report. Ask if they will keep the pull to a soft account review and not a hard pull.

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B of A says they will have to do a credit check.

I'd say odds are good it will be a hard pull since they told you.

ARs are soft and happen all the time. Don't ask, don't tell, don't have ta.

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