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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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App spree aftermath - who pulled what

I just checked my reports today, curious to see who pulled which bureaus after yesterday's app spree. I was surprised to see that Citi pulled both EQ and EX! While I'm not thrilled about taking more than one hit per card, I'm still so over the moon happy about the approval that I'm not going to complain. Inqs fade and fall off, but my plan is for the card to stay.

 

As for the rest, Discover pulled TU, BoA pulled EX and WF pulled EX. So, that's three pulls on EX. That gives me whopping 7 on EX, with three of them falling off between now and the spring. It's really starting to look like I'm done and getting ready to head back to the garden.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Super Contributor
Posts: 7,530
Registered: ‎12-11-2011
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Re: App spree aftermath - who pulled what

The garden is the safest place. Its like the warning about sitting in the front seat on the visor in your car. "The back seat is always the aafedt place" xD


Moderator Emeritus
Posts: 15,111
Registered: ‎12-30-2011
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Re: App spree aftermath - who pulled what

Out of curiosity Tinu, I'm surprised you didn't apply for an Amex revolver with your scores and your history on your Green, and while I don't know the full reward structure on the rest of your cards, I thought one of the BCE/P line would've fit in well?

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 717, TU 8 732, EX 8 740 (11/01/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
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Re: App spree aftermath - who pulled what

I've hae like 4 EQ pulls, just applying for a cc, loc and att u-verse. Why does everyone pull EQ?lol

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: App spree aftermath - who pulled what


jordanmedical wrote:

I've hae like 4 EQ pulls, just applying for a cc, loc and att u-verse. Why does everyone pull EQ?lol


For me, it seems everyone pulls TU!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: App spree aftermath - who pulled what


Revelate wrote:

Out of curiosity Tinu, I'm surprised you didn't apply for an Amex revolver with your scores and your history on your Green, and while I don't know the full reward structure on the rest of your cards, I thought one of the BCE/P line would've fit in well?

 


 

Because it's August. If I do decide to try for a BCE, it would be in January for maximum backdating.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

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