Reply
Valued Contributor
Posts: 1,910
Registered: ‎11-17-2012
0

Re: Credit Pulls!!!

Here's mine!

 

NJ

 

Transunion

- Orchard Bank/Household Bank (also pulled Equifax, now Capital One which will pull all 3)

- JCPenney (GECRB)

- Sallie Mae

 

Equifax

- Orchard Bank/Household Bank

 

Experian

- Chase (Freedom and Sapphire)

- Shell (Citi, for card and CLI)

- TD Bank (credit card)

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $13k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 747 TU 747 Credit Sesame (EX) 756 Credit.com (EX) 784
Valued Contributor
Posts: 1,986
Registered: ‎01-24-2012
0

Re: Credit Pulls!!!


Swapmeet wrote:

I am noticing some people reporting GE doing hard pulls for some of their cards, and my usaa credit check monitoring says GE did a hard pull on TU recently. I was under the impression that GE did soft pulls only. Has something changed, or are the soft pulls only for CLI?

 


The cards are always hard to my knowledge; credit limit increases are soft pulls. People have reported that Care Credit is the only card that will always be a hard pull to increase the limit, maybe because it has a higher risk of default?

 

Maryland/Michigan

 

Experian:

FIA - initial

Chase

American Express

Macys American Express - initial

PNC

 

Transunion:

Barclays

Sallie Mae

GE Capital Retail Bank - initial, soft for credit limit increases

FIA - credit limit increases

Elan Financial Services

Chase - credit limit increases

Discover - credit limit increases (soft)

 

Equifax:

Chase - rare

Macys - initial, soft for credit limit increases

Macys American Express - credit limit increases (soft)

Discover - initial

 

I do wonder why some lenders differ while some do not. American Express almost exclusively looks at Experian, as does Macys for the American Express card. Barclays and GE Capital Retail Bank also almost exclusively use Transunion for their reports. Some lenders say it is totally random and they can not control it. Chase and Discover let you tell them which bureau you would like them to look at.

Frequent Contributor
Posts: 267
Registered: ‎05-15-2009
0

Re: Credit Pulls!!!

" Chase and Discover let you tell them which bureau you would like them to look at."

 

Looking for clarrification on this statement.  Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?

5/2009 EQ-504(FICO), TU98-567(FICO), EX- 503 (FAKO)
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
10/17/11 TU98-678
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert
Valued Contributor
Posts: 1,986
Registered: ‎01-24-2012
0

Re: Credit Pulls!!!


bigman023 wrote:

" Chase and Discover let you tell them which bureau you would like them to look at."

 

Looking for clarrification on this statement.  Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?


Well with Discover, I had Equifax frozen because they kept putting bankruptcy  and some such nonsense that was not mine. She said she could pull another bureau and out of curiosity I asked if they always did it and she said you can always request a bureau for them to look at.

 

With Chase, I asked them before the submitted the application if they could look at a certain bureau and they said okay. I have never had someone from Chase insist on a certain one. I only care because I don't want a lot of inquiries on one report.

Established Contributor
Posts: 572
Registered: ‎01-31-2008
0

Re: Credit Pulls!!!

Interesting thread!  What does Citi pull for credit limit increases?

 

Interestingly, I've noticed periodic checks from Citi and Chase on all three reports.  These are the "account maintenance" checks that I have no control over.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
New Contributor
Posts: 66
Registered: ‎07-15-2012
0

Re: Credit Pulls!!!

North Carolina:

 

EX = AMEX

TU = BoA, Barclays, GE $ Bank

EQ = Chase, Cap One

 

 

01/11/13:
EQ Fico: 716 (from myfico)
TU Fico: 719 (from Walmart)
EX Fico: 719 (from myfico)

Chase Sapphire Pref. II AMEX Platinum II Amex PRG II Amex SPG II Citi AAdvantage II Barclays US Airways II Chase Freedom
Frequent Contributor
Posts: 474
Registered: ‎04-09-2012
0

Re: Credit Pulls!!!

SC:

 

Equifax:  DCU, USAA, PenFed, USBank, Chase, Discover, GECRB/Lowes, Amex, BofA, CapOne

TransUnion:  Barclays, Discover, BofA, GECRB/Paypal, Amex, Wells Fargo, CapOne

Experian:  Amex, Citi, CapOne

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Credit Pulls!!!

Louisiana:

TU: Walmart, NFCU (for membership), Cap1 (part of triple pull), Amex (borderline app part of triple pull)

EQ: NFCU (cc app), Cap1 and Amex (see above), Chase (double pull with EX), WF, Small business association

Ex: cap1, Amex and chase see above

My AMEX was one pull for zync but other 2 for delta, chase was pulled both for amazon but got freedom also without any other additional pull.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 480
Registered: ‎12-18-2011
0

Re: Credit Pulls!!!


kobe2012 wrote:

Just wanted to share credit lender pulls ... in CA

 

TRANSUNION

-- capital one (pulls all 3)

-- walmart (gecrb)

-- chevron (gecrb)

-- chase (pulls TU and EX)

-- barclay apple

-- daniel's jewelers

 

EQUIFAX

-- discover

-- nordstrom visa

-- kay jewelers

-- best buy

-- capital one

-- att wireless

 

EXPERIAN

-- amex

-- chase

-- citi

-- capital one

-- credit one

 

hope this will be helpful to anyone who's planning to apply!!!

 

 


Regarding Cap1, it appears that they do not ALWAYS pull all 3 CB's.....just opened my Cap1 acct & ck'd all 3 CB's after only TU was pulled

Wallet: Citi TY Premier $32,200, Discover IT $10,000
FICO (EQ,EX & TU): 800+

"having a credit card is nice, but having cash in hand will always be king"
Frequent Contributor
Posts: 464
Registered: ‎10-29-2012
0

Re: Credit Pulls!!!

Im In Southern California and here is what I have so far on my reports. 

 

EQ: At&T 

EX: Amex, Citi

TU: Discover

 

(When I applied for my BOFA at my local branch, and then checked my CR's, I found nothing for any BOFA inquiry.)

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.