Reply
Contributor
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
Posts: 246
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
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.

 

 

-----------------------------------------------------------------------------------------------------
"The real measure of your wealth is how much you'd be worth if you lost all your money"
"A bank is a place that will lend you money if you can prove that you don't need it." ~Bob Hope
Established Contributor
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
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
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


Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,702
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
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 . . . . Smiley Very 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
Posts: 3,702
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
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


Take the FICO Fitness Challenge
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.