Credit Cards

[twt11]

I am in GA and looking for a credit card or loan for debt consolidation.  My TU scores are a lot better than EQ so I would love to find someone who pulls TU only.  Anybody??  Thanks!

[hemi961]

Can't tell you about GA, but I'm in AZ and the following pulled TU for me.

State Farm

National City

UMB

Gemb

Discover

[rabdelr]

I would recommend using www.whogavemecredit.com and enter your information into the database to get a general idea.

[VEEnVEGAS]

Juniper/Barclays pretty much always pulls TU. Discover seems to alternate..they could pull any of the 3.

[educatedconsumer]

This is a great site.   I wish I had known before I applyed at a bunch of places.

[Itsmeagain]

I also live in GA and Discover pulls TU only.  Be advised though, they do a hard pull for CLI's also.

[score_building]

Itsmeagain wrote:
I also live in GA and Discover pulls TU only.  Be advised though, they do a hard pull for CLI's also.

unlike Chase this is reportedly not always the case.  posts indicate soft increases can be granted.  cli requests are apparently eligible for consideration in 6 months intervals.

it seems discover hard inq for cli has come into play mostly if you request more than they're willing to give w/o it, unless policy has recently changed.  they pulled TU for me in NY.

Message Edited by score_building on 04-30-2009 02:12 AM

[Itsmeagain]

What would they consider a 'modest' increase?  5%, 10%, etc.?  They also will only consider a CLI a min. of 6 mo. after your last CLI.

Guess I'm not very modest . . . . 

Message Edited by Itsmeagain on 04-30-2009 05:09 AM

[score_building]

i remember seeing some numbers being recommended, i think it was something like up to 60% that it has been suggested is less likely to trigger a HP but i can't remember exactly the figure or if the theory is now applicable. 

i know that some have posted that they've aborted their automated telephonic request if transferred to a csr., under the idea that their request could be heading for a HP.  not everyone seems to concur that it is always an HP, even when tranferred to a csr.  perhaps a caller still has a chance to retract/revise the amt. if they ask b4 the csr places the request..?

Message Edited by score_building on 04-30-2009 03:12 AM

[Itsmeagain]

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score_building wrote:

i remember seeing some numbers being recommended, i think it was something like up to 60% that it has been suggested is less likely to trigger a HP but i can't remember exactly the figure or if the theory is now applicable. 

i know that some have posted that they abort their automated telephonic request if they are transferred to a csr., under the idea that their request could be heading for a HP but not all seem to concur that it is always an HP, even when tranferred to a csr... maybe one still has a chance to retract/revise the request b4 they put it through if you ask? 

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Good to know. Thanks, I'll remember that.  Have to avoid those hard pulls for next 11 mo. 1 day . . . <g>