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Established Contributor
Posts: 794
Registered: ‎08-05-2008
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INQ CC Question

So, different areas of the country pull different CRA's. For example here in CA my EX gets pulled a lot more than TU and EQ. (Which is another reason to be PO'd about their decision to deprive us of true FICO scores). 

 

So, a few questions... in your part of the country who pulls the most?

 

Do CC companies use only CC INQ's when making their manual decisions? 

 

Does PFICO INQ's only list CC INQ's? Do only CC INQ's count for PFICO scores?

 

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Senior Contributor
Posts: 3,684
Registered: ‎01-10-2008

Re: INQ CC Question

i have a total of 13 inqs. (mostly major cc) on my cbr.  they're all EX and all almost two years old (NYC).

 

imho, pfico deducts more heavily for cc inqs and new accounts but i believe all inqs are considered.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
Posts: 794
Registered: ‎08-05-2008
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Re: INQ CC Question


score_building wrote:

i have a total of 13 inqs. (mostly major cc) on my cbr.  they're all EX and all almost two years old (NYC).

 

imho, pfico deducts more heavily for cc inqs and new accounts but i believe all inqs are considered.


I was thinking that is how they handled PFico. I too am in the 13 INQ boat on EX only 4 from CC's though. Most from auto loans, apartments, cable tv,  etc... I don't mind an apartment complex and cable tv running my credit, but I think all of those should be soft pulls. They get the same info from a soft don't they?

 

That brings me to my dilemma... My real FICO scores are now good enough to try for a decent unsecured card, but I am scared because of EX.  If I could find a CC that pulls TU or EQ in California I would be set!!! (They each only have 3 INQ's)  

 

 

 

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"Evacuate, in our moment of triumph? I think you overestimate their chances."
New Contributor
Posts: 51
Registered: ‎01-23-2009
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Re: INQ CC Question

I just got a Discover card and it pulled TU. I'm in Nevada, not CA but pretty darn close.
Established Member
Posts: 62
Registered: ‎01-13-2009
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Re: INQ CC Question

in my experience in california chase always pulls EQ(5 out of 5 apps my family have done in last few months)
Established Contributor
Posts: 790
Registered: ‎09-09-2008
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Re: INQ CC Question

Here in Arizona, my inquiries for Costco Amex, Discover More, and Chase Amazon all went to Experian. My only EQ inquiry was regarding a checking account with an online bank in Delaware or Maryland (don't remember).
Senior Contributor
Posts: 3,684
Registered: ‎01-10-2008
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Re: INQ CC Question


Ulan wrote:
Here in Arizona, my inquiries for Costco Amex, Discover More, and Chase Amazon all went to Experian. My only EQ inquiry was regarding a checking account with an online bank in Delaware or Maryland (don't remember).

 

my Discover More inq went hard to TU and soft on EQ (NYC).
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: INQ CC Question

I'm from the Chicago IL area it seems like everyone here pulls either EX OR TU that has been my experience my EQ report has very little inquries.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Contributor
Posts: 78
Registered: ‎08-23-2008
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Re: INQ CC Question

Dallas, TX here.  13 or so inquiries over the last 2 years.... ALL pulled Ex, 2/3 pulled EQ and 1/3 pulled TU.
4/13/08 FICOs: TU 646 / EQ 583 / EX 623
2/06/09 FICOs: TU 708 / EQ 689 / EX 705
12/12/09 FICOs: TU 773 / EQ 737 / EX 761
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: INQ CC Question

In TX, TU and EQ seem popular.  My last EX INQ was when I got my mortgage 5+ years ago.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
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