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Key insight—banks perform a soft pull from credit bureaus (TransUnion, Equifax, Experian) but also check secondary credit bureaus (SageStream, LexisNexis, etc.). To get approved, unfreeze secondary bureaus before applying. How to execute the strategy correctly 📖 this process does not trigger a hard inquiry on credit reports 🏦
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- Credit Score Requirement
- A minimum credit score of 680 is recommended for approval.
- If your credit score is too low, fix it first before attempting this strategy.
- Learn More to get done for you credit repair service. (click learn more)
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Apple Credit Card (issued by Goldman Sachs) 🍏
How to Get Approved Without Hard Inquiries
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Key Strategy: Use the Soft Pull Pre-Approval Trick
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- Apply online for pre-approval. No hard inquiry at this stage.
- Ensure a credit score of at least 680 for best chances.
- Once pre-approved, check your credit limit.
- Before accepting the card, freeze your TransUnion credit report.
- This stops the bank from turning the soft pull into a hard inquiry.
- Accept the credit offer ✅—you get the card with no inquiry recorded.
🔥 Pro Tip:
- Use TransUnion's security freeze option before finalizing approval to block unnecessary credit checks.
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Why Most People Get Denied for Credit
- Common mistake: Applying without checking which credit bureau the bank pulls from
- Solution: Use banks that allow soft pull pre-approvals before final acceptance
- Biggest misunderstanding: People think every approval triggers a hard inquiry—it doesn’t when done correctly
💡 Pro Tip:
- Always check which credit bureau a lender pulls from before applying
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