Barclay's AA, based on TU soft Pulls or all CRs?

gibeon · ‎11-02-2015

When Barclay's does adverse action for new accounts, Inquiries, etc., is it based on TransUnion Soft Pulls, or do they Soft Pull all three at regular intervals?

I've got 3-4 new accounts since I got my Arrival+ in September, but very few inquiries.

Thanks,
Gib

23 Open Bank Cards / 7 Open Store Cards / TOO many inquires / Mid/High 600's

baller4life · ‎11-02-2015

Usually TU. There have been reports of them randomly softing other bureaus. But, it's not common.

corymcd88 · ‎11-02-2015

I had a lot of new accounts and everything was fine.

kdm31091 · ‎11-02-2015

Its never just about new accounts. There is no set formula or point at which AA will be guaranteed. There is also little point in stressing over it, as its beyond our control. Some open one new account or two and get hit with it, others open ten and are fine. I believe the SPs are usually on TU. But again I wouldnt stress over it. Whatever will be will be.

Anonymous · ‎11-02-2015

They soft pull Experian as well

thelethargicage · ‎11-02-2015

@Anonymous wrote:
They soft pull Experian as well

+1

Anonymous · ‎11-02-2015

Why is everyone so afraid of the big bad wolf (Barclay)??? I don't get it....

CreditCuriosity · ‎11-02-2015

@thelethargicage wrote:
@Anonymous wrote:
They soft pull Experian as well
+1

+2.. More so TU, but deff seen them checking up on Exp as well in the past.

Anonymous · ‎11-02-2015

@gibeon wrote:
When Barclay's does adverse action for new accounts, Inquiries, etc., is it based on TransUnion Soft Pulls, or do they Soft Pull all three at regular intervals?

I've got 3-4 new accounts since I got my Arrival+ in September, but very few inquiries.

Thanks,
Gib

They pull different bureaus. Their action to AA depends on several factors not just new accounts.

Anonymous · ‎11-02-2015

They do not soft pull equifax