Associated Bank - chex pull only (thanks, pondus 8/09)
1st USA Bank - Hard pull from TU (sandeeppotdar, 6/09)
Banco Popular - chex pull only (6/09)
Bank of America (in-branch, existing credit cardholder) - hard pull
Bank of America (on-line, new customer) - hard pull from TU(IL address), multiple reports of two hard pulls
Bank of America (on-line, new customer) - no hard pull from TU and Ex. opened at 7/19/2009
Bank of Blue Valley - Hard Pull EQ 1/09
Bank of the West (in-branch/online) - ChexSystems only 8/08
Chase/JP Morgan Chase (in-branch) - YMMV - slc39 ChexSystems only 3/09 (existing account holder); SoxFan1 says hard pull from TU for new accounts; viptext says opposite (but was existing credit card holder)
does ing do hard pull on their savings account? anyone has the experience? thanks.
posted: Jun. 16, 2009 @ 3:48p
Fidelity credit cards --issued by FIA-- do a hard pull. Forgot to ask which agency 6/09.
posted: Jun. 18, 2009 @ 9:19a
Ing didn't do a hard pull on my savings account, but then again, I opened my first Ing account several years ago...
posted: Jun. 18, 2009 @ 2:11p
Southern Community Bank & Trust - Hard Pull from Equifax (6/08 - Opened in Branch) Salem Five - Hard Pull from Equifax (8/07 - Opened Online) Pentagon Federal Credit Union - Hard Pull from Equifax (1/08 - Opened Online)
posted: Jun. 19, 2009 @ 11:28p
Citibank checking (online) - hard pull from Experian.
btw, which credit monitoring service will also monitor the soft pull? my creditchecktotal does not. and what is ChexSystum and again which can monitor this?
posted: Jun. 25, 2009 @ 1:59p
PNC Bank - no hard pull for a checking account (05/09) Wachovia - hard pull for checking (04/09) Connexus Credit Union - hard pull for rewards checking (04/09) Sovereign Bank - no hard pull for checking (02/09) M&T Bank - no hard pull for checking (04/09)
Senior Member - 2K
posted: Jun. 25, 2009 @ 2:11p
Hard pull and chex for wells fargo. Soft pull and chex for capital one.
Fidelity would open an MySmartCash account for anyone
posted: Jul. 22, 2009 @ 7:37a
Anyone have any experience with Provident Bank of NJ?
posted: Jul. 22, 2009 @ 9:43a
slc39 said: Anyone know if Pacific Resource Credit Union (in California) does hard pulls?
Yes they do.
posted: Jul. 23, 2009 @ 5:16p
Waffles said: slc39 said: Anyone know if Pacific Resource Credit Union (in California) does hard pulls?
Yes they do.
posted: Jul. 26, 2009 @ 12:00a
Folks , Could someone please hell me here with the terminolgy used. What are hard pulls, soft pulls and chex as used in this post? Thanks.
posted: Jul. 28, 2009 @ 10:08a
Hard pulls - The banks pull your credit report in a way that shows up as a "hard credit inquiry". Usually you get this when you apply for a credit card, mortgage, car loan. Hard pulls hurt your credit score, at least for a few months.
Soft pulls - The banks pull your credit report but you are the only one who sees that. No other creditor pulling your report should be able to see a soft pull. Soft pulls do NOT affect your credit score, good or bad.
Chex - Banks usually make an inquiry on ChexSystems, a credit bureau for banks. It shows how many banks you've tried to open accounts at. Too many ChexSystems inquiries, and a bank may turn you away (for various reasons -- you might be a check kiter, a fraudster, a money launderer, or less excitingly, someone who's not going to be profitable and won't stick around -- in other words, just there for the opening bonus or high interest or whatever benefit they're offering at the time).
Senior Member - 2K
posted: Aug. 14, 2009 @ 12:57p
anyone have any experience with any of the follow banks?
California Bank and Trust Cathay Bank Union Bank of California Keypoint Credit Union East West Bank Comerica Bank
posted: Aug. 15, 2009 @ 11:54p
NASA Federal Credit Union - hard pull Equifax 7-2007 (just fell off my report 8-2009)
posted: Aug. 17, 2009 @ 12:22p
Two more points:
M&I (Marshall & Ilsley) was going to do a hard one and let me walk out without opening a checking. I remember a few years ago they were going to pull a hard one just to open a safety deposit box.
Associated Bank (branch mgr.) said they would only pull Chex. I may test it out to get their $50 bonus, and will report.
posted: Sep. 1, 2009 @ 10:42p
Community National Bank - hard pull Experian 8-2009
posted: Sep. 14, 2009 @ 9:48p
thank you for the link slc39.
I have something to add: Wachovia free business checking. No hard pull. Chex system pull.
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