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Manipulate where a creditor pulls from?

Established Member

Manipulate where a creditor pulls from?

I have a little over 20 inquiries in 2 years on my EX CR. However, TU and EQ only have a  couple each.

 

I obviously prefer not to pull from EX for the next 6 months or so. If I put a freeze on my EX CR will a lender that typically uses them simply pull another bureau?

 

Also, If I re apply for a card that previously turned me down and they pull from a different CB, will they see the previous inquires and declines?

 


Thanks in advance!

Message 1 of 4
3 REPLIES
New Contributor

Re: Manipulate where a creditor pulls from?

won't work, they will try to pull it and can't so will be a denial. try for cards that don't pull that bureau 

in my wallet:
Amex Zync : NPSL (main card always pif)
Discover More: 6,500$ (no balance)
Chase Sapphire : 5000.00$ (no balance)
Citi Thank You Card backed by Amex 8,200$ (no balance)
Amex Blue Cash 21,000$
Best Buy Store Card : 5,700$ (I'm a nerd so used a lot)
Message 2 of 4
Mega Contributor

Re: Manipulate where a creditor pulls from?


durdaninc wrote:

I have a little over 20 inquiries in 2 years on my EX CR. However, TU and EQ only have a  couple each.

 

I obviously prefer not to pull from EX for the next 6 months or so. If I put a freeze on my EX CR will a lender that typically uses them simply pull another bureau?

 

Also, If I re apply for a card that previously turned me down and they pull from a different CB, will they see the previous inquires and declines?

 


Thanks in advance!


You can, it will be a denial tho until you recon and open it up.




EQ FICO 548 3/3/16
Message 3 of 4
Senior Contributor

Re: Manipulate where a creditor pulls from?

While it may not work to force someone to pull from a different CRA, it can give you "insurance" against another EX pull.  In other words, if there is someone you are unsure about as to which CRA they pull, you can apply, and if you are wrong, worst case scenario is they can't get your EX report and your app is denied.  But you don't end up with another inquiry.  Also, if they do pull EX, you could request during recon that they just pull from another CRA, but they don't have to.

 


durdaninc wrote:

I have a little over 20 inquiries in 2 years on my EX CR. However, TU and EQ only have a  couple each.

 

I obviously prefer not to pull from EX for the next 6 months or so. If I put a freeze on my EX CR will a lender that typically uses them simply pull another bureau?

 

Also, If I re apply for a card that previously turned me down and they pull from a different CB, will they see the previous inquires and declines?

 


Thanks in advance!



Once you are approved, they will be able to soft your reports and see the inquiries you have on your EX report.  Your reports don't show declines, they only show inquiries, so they won't see any declines on your report.  But, if you're talking about someone that already declined you, they won't need to see that from your report.  They likely already have a record of that.  Who knows what all they track and how far back, but I would expect they have a record of recent applications and denials. 

 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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