Chase CSP and frozen reports

[Anonymous]

Hello all I am going to be applying for the Chase CSP in the next few days I would like to know which CRA I should unfreeze I have a pre-approval on the chase website and would like to try for only one Hard Inquiry live in New York ....Thanks

[CreditCuriosity]

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@Anonymous wrote:

Hello all I am going to be applying for the Chase CSP in the next few days I would like to know which CRA I should unfreeze I have a pre-approval on the chase website and would like to try for only one Hard Inquiry live in New York ....Thanks

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All of them if you want a best chance without reconning as you don't know which one or which ones they might choose to pull.  Typically the site goes off TU w/regards to pre-qual, but they might want something else and is it worth a recon call?  All depends on your profile and what you feel comfy with.  Basically is saving an extra HP worth a possible decline?

[myjourney]

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@CreditCuriousity wrote:

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@Anonymous wrote:

Hello all I am going to be applying for the Chase CSP in the next few days I would like to know which CRA I should unfreeze I have a pre-approval on the chase website and would like to try for only one Hard Inquiry live in New York ....Thanks

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All of them if you want a best chance without reconning as you don't know which one or which ones they might choose to pull.  Typically the site goes off TU w/regards to pre-qual, but they might want something else and is it worth a recon call?  All depends on your profile and what you feel comfy with.  Basically is saving an extra HP worth a possible decline?

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+1 CC

Not to mention Chase loves to double pull....they're nosey for sure 

Good luck OP and let us know your results 

[Creditfan1234]

When I opened my CSP they pulled all 3. Just and FYI.

[Anonymous]

Exactly what i was trying to avoid  lol

[baller4life]

I was approved Slate and Freedom from pre-qual on site with a TU pull. That is usually who they pull from pre-qual. Other bureaus were frozen. When I have cold apped anything they try EQ. Weird.

[myjourney]

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@baller4life wrote:

I was approved Slate and Freedom from pre-qual on site with a TU pull. That is usually who they pull from pre-qual. Other bureaus were frozen. When I have cold apped anything they try EQ. Weird.

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Really weird for sure but that's Chase 

On my Ink EX EQ

I cold app'ed two cards same time 

CSP EX EQ 

Hyatt TU

Go figure the logic there ...I can't for sure 

And it's not like I have a thin file or red flags 

Both approved but dammmm give my CR's a break Chase I might want 2 Citibanks too Lol

[Anonymous]

I'm in NY and they double-pulled EX and EQ for me.

[CreditCuriosity]

CSP/Freedom - TU Pulls

Everything else Chaes EQ Pulls.

I believe it is somewhat geographic, but what the heck do I know!  I just know the Pre-Qual uses TU, but whether that is what they pull or other CRA or not I do not know.

I had my EQ/EXP on lockdown when I accepted the CSP/Freedom.   So only a TU pull..  This was before Chase got ALOT MORE STRICT with their CSP/Freedom cards aka 24x5 rule.  As you really just want to avoid talking with UW these days if at all possible and that is why I suggest having everything thawed as they aren't the most pleasant people to talk to anymore.  They did a 180 from last year at this time as they would approve basically anyone that could tell them a good story, now they look for a reason to deny a person.

[Skye12329]

Here in MN as a data point:

Freedom - EX & TU
Csp - EX
Slate - EX
Slate CLI - EX