Reply
Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Bring EQ and EX reports to CU to avoid a hard pull?

[ Edited ]

 

Did I read in here that we can bring our own(pulled today) reports to the CU? My TU sucks and Im trying to avoid hard pulls.

Thanks~


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?

You can bring in your report, but CU is still going to HP you during application process. It is easy to forge a credit report.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
TheConductor
Posts: 492
Registered: ‎07-24-2012
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?

+1.  Bringing your credit report can be very helpful, though, in having the conversation about what you want to apply for. Most CUs are very upfront about what they can do for you based on the report you brought. As long as it is accurate and recent, then once they do the HP for something they said they would likely approve you for, it should be a practically guaranteed approval.

 

Did this when I was shopping my car loan, and my interest rate actually ended up being slightly better than what the loan officer told me before pulling my current report.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Valued Member
spartanspirit
Posts: 46
Registered: ‎08-16-2011
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?

i brought my TU to my credit union to open a credit card for rebuliding. thank goodness i did, because the score they pulled was 571, and myfico TU score was 628, so not sure what model year they pulled, but i received a 500.00 starter limit and 13 percent apr with no annual fee, rewards card that was made right then and there. i love my credit union!!



Starting Score: TU 639 EQ 638
Current Score: Walmart TU 635
Goal Score: 740+

Take the FICO Fitness Challenge





Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?


spartanspirit wrote:

I brought my TU to my credit union to open a credit card for rebuliding. thank goodness i did, because the score they pulled was 571, and myfico TU score was 628, so not sure what model year they pulled, but i received a 500.00 starter limit and 13 percent apr with no annual fee, rewards card that was made right then and there. i love my credit union!!


Thanks all! I thought it would be a step in the right direction. I appreciate it!

 


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?


spartanspirit wrote:

i brought my TU to my credit union to open a credit card for rebuliding. thank goodness i did, because the score they pulled was 571, and myfico TU score was 628, so not sure what model year they pulled, but i received a 500.00 starter limit and 13 percent apr with no annual fee, rewards card that was made right then and there. i love my credit union!!


the tu score sold here is tu98. most credit unions use tu04 (which to my knowledge cannot be purchased anywhere) and tu08 which walmart provides when you enroll in paperless statements. that will explain the score differences

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Moderator
Revelate
Posts: 9,648
Registered: ‎12-30-2011
0

Re: Bring EQ and EX reports to CU to avoid a hard pull?


rootpooty wrote:

spartanspirit wrote:

i brought my TU to my credit union to open a credit card for rebuliding. thank goodness i did, because the score they pulled was 571, and myfico TU score was 628, so not sure what model year they pulled, but i received a 500.00 starter limit and 13 percent apr with no annual fee, rewards card that was made right then and there. i love my credit union!!


the tu score sold here is tu98. most credit unions use tu04 (which to my knowledge cannot be purchased anywhere) and tu08 which walmart provides when you enroll in paperless statements. that will explain the score differences


Possibly bankcard enhanced too; given that many people in a rebuilding phase had trouble on a credit card in the past it's not unusual for it to be lower I suspect.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}