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Frequent Contributor
Cheryla18
Posts: 449
Registered: ‎10-13-2009
0

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

myFico EQ 612 (8/14) 596 (2/14) 574 (12/13) 497(1-7-13
myFico Exp 626 (2-10-14) 602 (11-17-13)
MyFico TU 618 (2-10-14) 589 (11-17-13)
Current Goal 640
Final Goal. 700
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

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


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Senior Contributor
jsucool76
Posts: 3,672
Registered: ‎12-11-2011
0

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
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

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).
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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.




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