07-27-2012 10:53 PM
I was approved and noticed a hard pull from EX as well as TU. I am in CA. Everything I have read indicated they pull exclusively from TU??? Hm.
07-27-2012 11:01 PM
When your credit report is at the borderline, lenders often pull additional CR to evaluate your creditworthiness. It is a common practice.
AMEX is known to pull EQ and TU when your EX report is at the borderline of their liking.
07-27-2012 11:52 PM
My credit file is on the thin side so that makes sense. Thank you for clearing that up for me.
07-28-2012 07:12 AM
AMEX pulled all my 3 when I applied for BCP and I had a thin file.
07-28-2012 10:32 AM - last edited on 07-29-2012 12:04 PM by MarineVietVet
For future reference Mod Cut. This tactic is not allowed to be discussed. It is considered unethical credit repair. - MarineVietVet, myFICO moderator.
07-29-2012 08:46 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.