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Any Shopping cart tricks that pull TU??

Established Contributor

Any Shopping cart tricks that pull TU??

TU is my highest score so I was wondering if anyone knows of the Shopping Cart trick that pulls TU?

 

Thanks

Cheryl

Current as of 7/10/17 EQ 598 TU 611 EX 629
Discharge 7/2016 Ch 7 BK
4 REPLIES
Valued Contributor

Re: Any Shopping cart tricks that pull TU??

Shopping card trick only SP.
Freeze EX and EQ then they have no choice

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Super Contributor

Re: Any Shopping cart tricks that pull TU??

They have a choice of denying your app altogether xD but i dont know if they'll do that.


Super Contributor

Re: Any Shopping cart tricks that pull TU??

Shopping card tricks are usually SP on EX, or Sometimes EQ. If you freeze your files, you will not see the pre-approval.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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Mega Contributor

Re: Any Shopping cart tricks that pull TU??


nicholasyud wrote:
Shopping card trick only SP.
Freeze EX and EQ then they have no choice

They have a choice..........if they use EX or EQ to do SP preapprovals its a waste. 

 

Also, it is not recommended to advocate freezing files to avoid lenders pulling certain reports here on this forum due to it being unethical.




EQ FICO 548 3/3/16