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Regular Contributor
Posts: 155
Registered: ‎04-04-2011
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Hard Inquiries from Biz CC's

I know many people have posted that a hard pull on your personal credit is required when applying for a business credit card.  I started my corporation in January of this year and applied for three credit cards over the last couple months.  The only credit monitoring service I use is Credit Karma, and they show no hard inquiries for any of these cards.  They were the US Bank Cash Rewards card, the American Express Simply Cash, and the Chase Ink.  You would think these CCCs would pull a hard inquiry, wouldn't they?


Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
Current Scores (myFICO 4/4/11): 768 (EQ)
Goal Scores: 800


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Valued Contributor
Posts: 1,267
Registered: ‎09-14-2012
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Re: Hard Inquiries from Biz CC's

CK only looks at one bureau (TU) and Amex and USB pulls EQ (I think), AMEX and Chase are EX pullers

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Epic Contributor
Posts: 25,527
Registered: ‎10-23-2007
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Re: Hard Inquiries from Biz CC's

Oh, They for sure pulled your credit... just not TU!

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Regular Contributor
Posts: 155
Registered: ‎04-04-2011
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Re: Hard Inquiries from Biz CC's

Ah, now it makes sense.  I forgot that CreditKarma only goes off of your TU report.  Thanks for the clarification.


Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
Current Scores (myFICO 4/4/11): 768 (EQ)
Goal Scores: 800


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Frequent Contributor
Posts: 499
Registered: ‎02-08-2013
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Re: Hard Inquiries from Biz CC's


tpatterson2k9 wrote:

Ah, now it makes sense.  I forgot that CreditKarma only goes off of your TU report.  Thanks for the clarification.


Sign up for credit.com (Experian). It's free (like CK) and you can see how many HPs you have.

     
Regular Contributor
Posts: 226
Registered: ‎09-10-2013
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Re: Hard Inquiries from Biz CC's

How real is the credit.com score?  I see it's through Experian, but the score I show through credit.com and the score I just purchased from myfico.com are about a 30 point difference.  Just wondering which one is more accurate.


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Epic Contributor
Posts: 25,527
Registered: ‎10-23-2007
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Re: Hard Inquiries from Biz CC's

Myfico 100%
Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Regular Contributor
Posts: 226
Registered: ‎09-10-2013
0

Re: Hard Inquiries from Biz CC's

@creditaddict - thanks, that's what I thought. But my credit.com score was the higher one so  ..... LOL That's ok though.  Still in the rebuilding phase so hopefully it won't be too long before my scores are like the one on credit.com.


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
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