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Contributor
twt11
Posts: 102
Registered: ‎09-24-2007
0

Does anybody pull TU anymore???

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!

Regular Contributor
hemi961
Posts: 243
Registered: ‎11-05-2008
0

Re: Does anybody pull TU anymore???

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

New Contributor
rabdelr
Posts: 71
Registered: ‎04-09-2008
0

Re: Does anybody pull TU anymore???

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

 

 

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Established Contributor
VEEnVEGAS
Posts: 645
Registered: ‎10-24-2007
0

Re: Does anybody pull TU anymore???

Juniper/Barclays pretty much always pulls TU. Discover seems to alternate..they could pull any of the 3.
Contributor
educatedconsumer
Posts: 82
Registered: ‎04-18-2009
0

Re: Does anybody pull TU anymore???

This is a great site.   I wish I had known before I applyed at a bunch of places.
EQ 637,TU 575, EX FAKO 680 AS OF 4/19/09
EQ 640, TU 579 EX??? as of 5/15/09
EQ 645, TU 627 as of 6/2/09, EX ???
EQ 662, TU 632, EX ??? as of 9/4/09
EQ 676, TU 676 as of 5/6/10
EQ 678, TU 676, EXP 694(Lendor Pull) 7/24/10



What is cake for if not to eat?
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
0

Re: Does anybody pull TU anymore???

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

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Senior Contributor
score_building
Posts: 3,560
Registered: ‎01-10-2008
0

Re: Does anybody pull TU anymore???

[ Edited ]

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
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
0

Re: Does anybody pull TU anymore???

[ Edited ]

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 . . . . :smileyvery-happy:

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

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Senior Contributor
score_building
Posts: 3,560
Registered: ‎01-10-2008

Re: Does anybody pull TU anymore???

[ Edited ]

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
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
0

Re: Does anybody pull TU anymore???


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? 


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


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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