Reply
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Chase doing double pulls now?


09Lexie wrote:
@dodgerslv

Do you need the CSP? Travel a lot?

I will be this next couple of years but debating if i really wanna have another AF card. I have the BCP and Marriott  so i was thinking that should be enough to earn travel points.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Chase doing double pulls now?

I was also looking at the US Bank Flex cards but i read that they are very INQ sensitive and dont like baddies on reports (though i did say the same about Chase).



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Moderator
Revelate
Posts: 8,516
Registered: ‎12-30-2011

Re: Chase doing double pulls now?


Cheryla18 wrote:

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.


?????


Pretty certain it was a tongue-in-cheek comment regarding my moderator tag :smileyhappy:.

 

Per forum TOS: we prohibit direct links to *that* board as referenced in lurker's post, but we do allow posting specific terms to be searched upon that have the likelihood of resolving to a resource found on that forum.

 

Speaking as joe user: reading the TOS I can see how this policy was created though I would agree with someone suggesting that we're splitting hairs on this.  I'm not one to throw out the baby with the bathwater though, and that one resource is truly excellent in my opinion.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: Chase doing double pulls now?

Dodgers, how many inquiries do you have? I had 10 inquiries on my ex when I applied for cash+, and got approved. From my experience us bank isn't really sensitive
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Cheryla18
Posts: 431
Registered: ‎10-13-2009

Re: Chase doing double pulls now?


Revelate wrote:

Cheryla18 wrote:

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.


?????


Pretty certain it was a tongue-in-cheek comment regarding my moderator tag :smileyhappy:.

 

Per forum TOS: we prohibit direct links to *that* board as referenced in lurker's post, but we do allow posting specific terms to be searched upon that have the likelihood of resolving to a resource found on that forum.

 

Speaking as joe user: reading the TOS I can see how this policy was created though I would agree with someoOne suggesting that we're splitting hairs on this.  I'm not one to throw out the baby with the bathwater though, and that one resource is truly excellent in my opinion.


Okay...I thought maybe I had done or said something wrong :smileyhappy:   being a lurker...kinda...sorta...lol

 

myFico EQ 596 (2-10-14) 574 (12-30-13) 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
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Chase doing double pulls now?

[ Edited ]

I have 11 in the last year now (5 from auto banks) but 6 in the last 5 months, 1 BofA, 3 AMEX,1 Chase, 1 Citi. This is on EX which im pretty certain they are going to pull. My AAoA is 3 years, 10 months. I do have a business checking account with them so dont know if that will help my chances. Dont know if US Bank those double pulls if you are borderline but i have less INQ on my other 2 bureaus.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012

Re: Chase doing double pulls now?

Thanks for all the feedback on my question. 

 

I actually called Chase today and spoke to the INK rep. He told me that they only pull one under normal circumstances and didn't expect me to get double pulled.

 

 

So either he's out of the loop and not reliable or there's something else to these double pulls that is out of the ordinary. I do see that some of the people getting double pulled according to this thread have good scores. So, I am not really sure what to make of it all. 


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Senior Contributor
longtimelurker
Posts: 5,513
Registered: ‎04-22-2013

Re: Chase doing double pulls now?

Yes, hard to know, even those of us with good scores might have something on the first pull that needs another look.

 

I just looked at all the inqs on my credit reports.   The oldest, June 2011, was a single pull by Chase.  Then apart from mortgages, and as far as I can see an unauthorized triple pull by Citi Mortgage (they bought our mortgage, I didn't request credit), single pulls from Amex, Barclays, FIA, Penfed, then, starting Dec 2012, double pulls from Citi (3 times for three cards) and a double pull from Chase.   Finally two single pulls, each for a CLI from FIA and Citi.

 

Since people are still getting single pulled, I have to assume it's something in our records that they need to check.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Regular Contributor
MonkeyBelly
Posts: 136
Registered: ‎03-06-2013

Re: Chase doing double pulls now?

Single pull from EX for Freedom last month for me. I'm in CT.
Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
New Contributor
rkinnahan
Posts: 106
Registered: ‎05-06-2013

Re: Chase doing double pulls now?

Double Pull last Friday for me.  Experian and Equifax.  in VA

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

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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+