Application Strategy: One INQ to Burn

[Anonymous]

Since all my CRs are free of INQS, I am thinking of a mini-spree burning one per CR.

AFAIK, Barclays is a consistent TU puller.  Any others exclusively pull TU?

I do not want tp pay $10 to unfreeze EX, so I will give a miss to any exclusive EX pullers.

That leaves EQ.  I burned one INQ on NFCU and will burn one more on USAA for a CLI.  That leaves me one EQ left I am willing to burn.  Any ideas about the following:

BOA

Citibank

Wells Fargo

US Bank

Which of the above pull EQ and which one is the least likely to decline for 2 INQS?

For some reason every time I app BOA they give me the b.s. line of "no mortgage accounts" as a reason for disapproval.

[vish1]

I believe

Boa is primarily EX

Citi is generally EQ

US Bank is primarily TU

[MrShush]

I would go for US Bank for a TU hit or Discover if you dont already have one.

[Anonymous]

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@MrShush wrote:
I would go for US Bank for a TU hit or Discover if you dont already have one.

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I have Discover, and I am leaning towards your suggestion of US Bank.  I wonder how they are for approvals?

[MrShush]

I got approved for the Flexperks Select Visa back in late November with no relationship or Us Bank in my state for 12.5k and they pulled TU. Score wad about 749 at the time of approval.

[Anonymous]

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@MrShush wrote:
I got approved for the Flexperks Select Visa back in late November with no relationship or Us Bank in my state for 12.5k and they pulled TU. Score wad about 749 at the time of approval.

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I just checked my spreadsheet and I applied on a supposedly preapproval w/ US Bank a year ago and got shot down:

- Length of time accounts have been established
- Number of inquiries within the past twelve months
- Length of time revolving / open accounts have been established

I'm wondering if the one year that has passed is sufficient to stand a decent chance.  I think my TU is about 740 now.

[MrShush]

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@Anonymous wrote:

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@MrShush wrote:
I got approved for the Flexperks Select Visa back in late November with no relationship or Us Bank in my state for 12.5k and they pulled TU. Score wad about 749 at the time of approval.

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I just checked my spreadsheet and I applied on a supposedly preapproval w/ US Bank a year ago and got shot down:

- Length of time accounts have been established
- Number of inquiries within the past twelve months
- Length of time revolving / open accounts have been established

I'm wondering if the one year that has passed is sufficient to stand a decent chance.  I think my TU is about 740 now.

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That's all on you

[valley_man0505]

I live in an area where almost everyone uses TU.  However, US Bank has always pulled EQ for me for any apps or CLI requests.  However, I do know that they monitor TU for existing customers--I once got a CLD from them and their explanation was that they saw something they didn't like on the TU report that they review monthly.

FYI...not sure what the OP's scores are, but US Bank will require a minimum 680 FICO.

ETA:  Re-read the thread and realized OP posted score in later message.  Sounds like the 680 requirement won't be an issue--they should approve.

[vish1]

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@Anonymous wrote:

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@MrShush wrote:
I got approved for the Flexperks Select Visa back in late November with no relationship or Us Bank in my state for 12.5k and they pulled TU. Score wad about 749 at the time of approval.

---

I just checked my spreadsheet and I applied on a supposedly preapproval w/ US Bank a year ago and got shot down:

- Length of time accounts have been established
- Number of inquiries within the past twelve months
- Length of time revolving / open accounts have been established

I'm wondering if the one year that has passed is sufficient to stand a decent chance.  I think my TU is about 740 now.

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Well, IMO it should be more than sufficient. I got their flex perks select visa this january (my history was only 1 year old) and they gave me 8000 CL (my highest CL at that point was 2250). I applied using the pre approval they had sent me and it was an instant online approval.

[Imhotrodcrazy]

I just wanted to throw  my 2 cents in  about US Bank.  I live in So calif  and they pulled EX for me.  However,  they gave me two cards for the one hard pull.  I have their Flexperks and their Platinum card.  I have voiced my opinion about them before, but I will do it again.  They have always been a great bank to deal with.  Good luck to you in your final decision.