Chase double pull

Anonymous · ‎02-07-2015

Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

mongstradamus · ‎02-07-2015

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

chase occasionally double pulls i don't know why they do. When i got my CSP last may they pulled EX and TU. I don't think it was for low scores because at the time my ex and TU were both above 770, so maybe some internal scoring criteria they didn't like ?

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

NRB525 · ‎02-07-2015

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

Is the HP really today, or it is finally being reported by EQ today? I think it is the latter; they already pulled both bureaus it on the 6th.

Chase pulled both EX and EQ on both my Marriott and Hyatt card applications.

Welcome to Chase ! congratulations on the card.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎02-07-2015

Thanks. If that's the case, why did the one report on the 6th?

Anonymous · ‎02-07-2015

Sometimes lenders do a tripple pill

Anonymous · ‎02-07-2015

But after approval?

TravellingNomad · ‎02-07-2015

@Anonymous wrote:
But after approval?

They pulled the reports the day you app'd. Your monitoring service received the update a on a later date. An example is the EQ monitoring service here. You dont get the notification that a new inquiry was made until a day or two after the fact

NRB525 · ‎02-07-2015

@Anonymous wrote:
Thanks. If that's the case, why did the one report on the 6th?

It takes a while sometimes to get the information through the CRA to your inbox.

Each bank should be sending the monthly file on your balances to the CRA on the same day, but you see the result in the monitoring a day or two different, depending on how the CRA is processing that data.

That CRA notice is really just informing you that, at some point in the past, they got a HP. There likely is not a hard timestamp you would be able to get access to.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎02-07-2015

check credit karma, I will bet the HP date shows as the earlier date.

Anonymous · ‎02-07-2015

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

I don't know about when exactly they pulled them, but Chase pulled my TU and EX when I apped for Freedom and CSP, I don't think they were for separate cards.