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Contributor
Posts: 94
Registered: ‎06-17-2012
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FYI: Barclays pulled EX in addition to TU

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.

EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carleton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: FYI: Barclays pulled EX in addition to TU

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.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Contributor
Posts: 94
Registered: ‎06-17-2012
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Re: FYI: Barclays pulled EX in addition to TU

My credit file is on the thin side so that makes sense. Thank you for clearing that up for me. Smiley Wink

EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carleton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Regular Contributor
Posts: 120
Registered: ‎05-27-2012
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Re: FYI: Barclays pulled EX in addition to TU

AMEX pulled all my 3 when I applied for BCP and I had a thin file.

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: FYI: Barclays pulled EX in addition to TU

[ Edited ]

For future reference Mod Cut. This tactic is not allowed to be discussed. It is considered unethical credit repair. - MarineVietVet, myFICO moderator.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 94
Registered: ‎06-17-2012
0

Re: FYI: Barclays pulled EX in addition to TU

@LS, That's a great idea. Thank you.
EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carleton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
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