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FYI: Barclays pulled EX in addition to TU

Contributor

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 Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 1 of 6
5 REPLIES
Valued Contributor

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.

Message 2 of 6
Contributor

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 Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 3 of 6
Regular Contributor

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
Message 4 of 6
Mega Contributor

Re: FYI: Barclays pulled EX in addition to TU

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




EQ FICO 548 3/3/16
Message 5 of 6
Contributor

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 Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 6 of 6