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Thread: US Bank Radisson Rewards VISA (discontinued April 2022; cards to be converted)
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Old Feb 4, 2013, 9:30 pm
  #699  
Happy
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Join Date: Jul 2003
Location: Florida
Posts: 29,767
Originally Posted by TravelGuy1965
Ok - well my wife doesn't have any hard pulls or increase in credit utilization in the last 3 months so her credit history has not changed and the scores on Credit Karma have went up in the last 3 months so maybe I'm set.

I don't see how they can state "no longer meet the criteria we originally used ... because of a change in your credit history" if they didn't at least do a soft pull. By stating this they probably did do something.
A soft pull is not necessary. 90% of the time they just go by a name list obtained somewhere. There are enough sources out there selling such lists for potential customers.
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