Hard credit inquiries

[Bobbyt1]

Does anyone know how I can apply for PayPal card without getting a hard credit inquiry? I’ve been building up my credit to a score of 695 and don’t want it to go down

[DPCreations]

PayPal Credit will do a hard credit inquiring whenever needed to verify creditworthiness.  Details will never be disclosed by PayPal.

When you qualify for PayPal Credit it will be offered even if you have not previously applied for it. 

My suggestion is just wait until your credit score goes above 750 before you think about any new credit offerings.  Inablilty to make any credit, loan, or utility payments on time are a big factor in credit scores.  You can increase score by adding more credit cards--AND NOT USING THEM.

Do what you can to make yourself a good candidate for credit.  Why do you think you should be offered more credit?

[WarsFamily]

If they do unauthorized hard inquiries they are violating federal laws and I will not continue using their services. You sound like a Mr know it all with your snotty answer but in reality no one can run hard inquires without written permission of the person who is requesting credit. Read the rules governing tax and credit laws before you volunteer misinformation sir.

[WarsFamily]

I pay a service to monitor my credit which is why I have paypal credit to begin with. I have not authorized paypal credit to run a hard Inquiry on my credit and it shows they ran an unauthorized hard inquiry on my credit in December. I just made a $500 payment and a $100 payment in December which is 800% more than my minimum payment due. I would like the hard inquiry removed and if PayPal credit wishes to continue business with me they will cease all unauthorized credit inquiries. If I requested a higher credit limit I could understand a authorized one but will not allow unauthorized checks due to the damage it does to my credit score. Thank you WarsFamily.

[Whac-A-Mole]

You may want to review Paypal terms and agreement which you agreed when you apply for a Paypal account,if you dont agree,you may want to cancel your Paypal account.

Not sure about hard credit,but Paypal does review our credit for those who have a PAYPAL account not necessarily paypal credit card,working capital,line of credit,just an account !

[Whac-A-Mole]

The way PAYPAL CREDIT WORKS,you dont have to ask to receive a higher credit,when you buy something and Paypal credit is offered,and it exceeds your credit line,it means it has automatically approved  and raise your credit limit.

it is just not like your traditional bank or cc credit/

you may also want to review paypal credit offer which you signed up ,its term and agreement  may differ from your PAYPAL ACCOUNT APPLICATION.