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Barclay's Awards pulls only TU score?

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Insoc
New Contributor

Barclay's Awards pulls only TU score?

I applied for a Barclay's Awards Visa over a year ago, was too soon after Chap. 7 Discharg and was declined.  Since it's been over a year I was thinking of trying again.  I noticed the preapproval link is gone and there is no option for this anymore.  Question is I read they only pull TU, and well TU is my lowest score currently 604 FICO, EXP and EQ are 624 and 635 currently.

 

I'm thinking that 604 is too low and they might reject me and really do not want another inquiry unless it pays off.

Message 1 of 14
13 REPLIES 13
chalupaman
Super Contributor

Re: Barclay's Awards pulls only TU score?

Yup they usually still pull TU. There are times where they have been known to pull EX too like on their Barclays Apple Visa and stuff like that.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 14
FlawlessShineAutoSpa
Established Contributor

Re: Barclay's Awards pulls only TU score?

Barclay's pulled from TU for my Rewards Mastercard.. How many INQ have you acquired since your decline over a year ago 

American Express Blue Cash Everyday $2000 •• Cap1 Venture One $10K
Barclaycard Rewards Mastercard $1500 •• Chase Freedom Visa $3500
Cap 1 Quicksilver Visa $5000 •• Cap 1 Quicksilver Mastecard $2000
Syncrhrony $1500 •• Citi Double Cash $1700 •• Cap1 Spark Classic $2000
Credit One Visa $500



Message 3 of 14
Insoc
New Contributor

Re: Barclay's Awards pulls only TU score?

If they only pul TU, I feel like my chances will be slim at 604.  My TU credit report only shows two inquires since denial in August 2013.  Last one was Merrick who approved me.

 

 

 

 

Message 4 of 14
Anonymous
Not applicable

Re: Barclay's Awards pulls only TU score?


@Insoc wrote:

If they only pul TU, I feel like my chances will be slim at 604.  My TU credit report only shows two inquires since denial in August 2013.  Last one was Merrick who approved me.

 

 

 

 


'Fraid so, friend. Chances are slimmer than the sheet of paper the denial letter will be printed on.

Message 5 of 14
skigirl916
Established Contributor

Re: Barclay's Awards pulls only TU score?

Yup, they pulled TU for both my cards.  The second card (Arrival+WEMC) was initially declined with a 693, approved on recon.  First card (Rewards) was auto-approved around 660.

 

Unfortunately, as generous as they are, I don't think a 604 will work for them.

Message 6 of 14
skigirl916
Established Contributor

Re: Barclay's Awards pulls only TU score?

Cap1 pulls all three, so you just gave yourself another ding for your TU report. http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Approval-Status-Sent-in-Mail-Denial/td-p/35...

Message 7 of 14
Firehorse
Frequent Contributor

Re: Barclay's Awards pulls only TU score?

I tried with them several times. First when I was at 593, then 628, I only got one when my score got to 685 on TU. And that was after I got my baddies deleted.

 

Prolly not. Smiley Sad

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 8 of 14
Insoc
New Contributor

Re: Barclay's Awards pulls only TU score?

Thing is, I already tried Capital One twice previously and there are zero inquiries from them. The third attempt probably proves my theory on being on the blacklist.

I will hold off on Barclay.
Message 9 of 14
Anonymous
Not applicable

Re: Barclay's Awards pulls only TU score?

They've only pulled TU for me.

Message 10 of 14
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