I checked my experian report, and Cap One has been doing I guess soft pulls 3x a month on me for 2 years. As stated in a previos thread Ive never had a credit card, or any sort of credit. I didnt apply for any credit through Old Navy until August 08 (which I didnt get due to lack of credit). What could these wacks be for 3x a month? Does this affect my actual score?
As jj mentioned soft pulls do not hurt your credit score. I think CapOne is going fishing for folks over a certain credit score and start sending out pre-approvals by the truck/plane load. They obviously begged enough for bailout money and are now in the process of doing what the bailout is supposed to do - approving folks for more credit.
Thanks for the information. Im glad to hear this. Its crazy they're doing pulls 3x a month, I mean how much can my credit change in 10 days lol
