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Frequent Contributor
koalablue
Posts: 345
Registered: ‎05-23-2012
0

Re: Chase doing double pulls now?

They pulled Experian and Equifax for me in January when I applied and was approved for the British Airways Visa and in October when I was approved (after recon) for the CSP.  I'd been getting a fair amount of new credit cards and I think my scores were around 720 at the time of approvals so maybe those were the reasons for the double pull. Not sure if they are doing that to everyone as a matter of practice.

Super Contributor
longtimelurker
Posts: 7,247
Registered: ‎04-22-2013
0

Re: Chase doing double pulls now?


Revelate wrote:

Cheryla18 wrote:

NJTurnpike wrote:

ohh boy! this discussion again! haha :smileyvery-happy:

 

I said it in the previous thread about this and I'll say it again. If its convenient for you (and not expensive). Keep all your reports locked all the time, do a little research and only unlock the one you think they will pull to minimize your HP's across all your reports. If you end up having to recon and they said they want to see another report, by all means unlock the other one as well, but don't make it easy for them to ding your credit profile automatically.

 

Let the debate begin. haha


Lol....I am not usually on this board.....I'm mainly still on the rebuilding board.......newbie question...How do you know which CCC will pull which report in order to unlock the correct CRB?


Not sure I agree with the strategy (seems pointless waste of time and effort to me, inquiries aren't a big deal in the FICO model), but if you google for "credit pulls database" there's a most excellent online resource by lender.  Attempting to force a lender to use a specific bureau isn't ethical, and this middle ground is a little suspect too as a result.


But, but, that goes to, you know, *that* board!  Call a mod.   Seriously, that is probably the best resource.

CSP, Freedom, Chase Amazon, Cap One QS (x2), Penfed Plat Rewards (x2), Citi Double Cash, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus, Fid Amex
Scores May 14: EQ 848, EX 833, TU 848 (Sep)
Established Contributor
emptypockets
Posts: 989
Registered: ‎02-03-2009
0

Re: Chase doing double pulls now?

[ Edited ]

CreditHammer wrote:

ztnjpv wrote:

I was reading around here the other day that Chase is starting to pull 2 bureau reports instead of just one. Any experience on this? Is this becoming common practice for all apps or are there specifics involving applicants?

 

I was thinking of applying for two chase cards and am not keen on a double pull. 


Usually any CCC wil pull twice if you are "borderline".. If they pull one report and think you barely qualify they may pull a second just to ensure there are no derogs and such.. If you think you are a borderline applicant, then wait until you think you're a lock for the card... You still may risk a double pull but at least you minimize your risk of a double pull by givign yourself the best possible chances..


I was double pulled (EX and TU) by Chase this week for a Marriott Visa. I don't think my scores are borderline, I just think this seems to be the new trend. I was instantly approved for 15.1k. I got my CSP and Freedom in June, 2012 about a week apart, and they only did one pull then (TU).


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
Community Leader
Senior Contributor
myjourney
Posts: 26,620
Registered: ‎02-07-2013
0

Re: Chase doing double pulls now?


ztnjpv wrote:

I was reading around here the other day that Chase is starting to pull 2 bureau reports instead of just one. Any experience on this? Is this becoming common practice for all apps or are there specifics involving applicants?

 

I was thinking of applying for two chase cards and am not keen on a double pull. 


It has been trending for about 2 months now EX & EQ

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


New Contributor
Griselle
Posts: 56
Registered: ‎05-12-2013
0

Re: Chase doing double pulls now?

I had a pre-approval for the freedom and they pulled both EX and TU for me. Back in August 2012 when i got my first Chase card (slate) they pulled the same two. I'm in Texas. Both applications were instant approvals. 

American Express Blue Sky- 14,000 | BOA 123 Rewards- 12,000 | Chase Freedom- 7,000 | Chase Saphire Preferred- 7,000 | Best Buy Store Card- 2,400 | Discover More- 1,900

In the garden until 06/2014!!
New Contributor
rkinnahan
Posts: 106
Registered: ‎05-06-2013
0

Re: Chase doing double pulls now?

I just applied for the Sapphire Preferred and Freedom recently (same day).  How long does it take for an inquiry to pop up on your CR?  I have access to Amex's CMS.  I'm wondering if they 1) double pulled me and 2) used the same pull for both cards.

Chase Sapphire Preferred $12k | Chase Freedom $7k | Chase United MileagePlus Explorer $15k | Chase Hyatt Visa $11.8k | Chase Amazon Visa $3k | Citi TY Premier $8.5k | Amex SPG $13.5k | Amex HHonors $5k | Discover IT $9k | BofA Cash Rewards $6k | BofA BB Rewards $2.7k | Banana Republic Visa $3k
Valued Contributor
dodgerslv
Posts: 1,781
Registered: ‎06-16-2012
0

Re: Chase doing double pulls now?

[ Edited ]

I just got instantly approved for the Marriott on Monday and till today they only pulled EX, i guess im in the clear now for a double pull. I was planning to apply for the CSP or Freedom tomorrow when i go in to the branch and open a business checking/savings to go along with my personal. Wonder if i apply will they double pull me this time? Is it too soon to apply for another signature card like the CSP or should i go for the Freedom to increase my approval chances. This is only my secon 5K card on my file so dont know if i am pushing my luck.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Regular Contributor
culture
Posts: 201
Registered: ‎02-27-2013
0

Re: Chase doing double pulls now?

I got double pulled for a Freedom   Tu and EX .  04/13    I think my reason was a recent change of address

Moderator
09Lexie
Posts: 25,954
Registered: ‎09-13-2012
0

Re: Chase doing double pulls now?

Frequent Contributor
Cheryla18
Posts: 449
Registered: ‎10-13-2009
0

Re: Chase doing double pulls now?


longtimelurker wrote:

Revelate wrote:

Cheryla18 wrote:

NJTurnpike wrote:

ohh boy! this discussion again! haha :smileyvery-happy:

 

I said it in the previous thread about this and I'll say it again. If its convenient for you (and not expensive). Keep all your reports locked all the time, do a little research and only unlock the one you think they will pull to minimize your HP's across all your reports. If you end up having to recon and they said they want to see another report, by all means unlock the other one as well, but don't make it easy for them to ding your credit profile automatically.

 

Let the debate begin. haha


Lol....I am not usually on this board.....I'm mainly still on the rebuilding board.......newbie question...How do you know which CCC will pull which report in order to unlock the correct CRB?


Not sure I agree with the strategy (seems pointless waste of time and effort to me, inquiries aren't a big deal in the FICO model), but if you google for "credit pulls database" there's a most excellent online resource by lender.  Attempting to force a lender to use a specific bureau isn't ethical, and this middle ground is a little suspect too as a result.


But, but, that goes to, you know, *that* board!  Call a mod.   Seriously, that is probably the best resource.


?????

myFico EQ 612 (8/14) 596 (2/14) 574 (12/13) 497(1-7-13
myFico Exp 626 (2-10-14) 602 (11-17-13)
MyFico TU 618 (2-10-14) 589 (11-17-13)
Current Goal 640
Final Goal. 700

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