Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Rumors of controlling pulls

So, I've heard unsubstantiated rumors that you can get a credit card provider who would normally pull Experian to pull Transunion by using the Credit Karma referral link.  *cough*Amex*cough*  Has anyone experienced this?  I'd love to force TU pulls on my next round of applications.

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Rumors of controlling pulls

or they can be nice and pull all three reports. 

as they did with me. 

proud member since aug 2012 though =) 

it was worth it to get in with amex. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Super Contributor
Posts: 7,491
Registered: ‎12-11-2011
0

Re: Rumors of controlling pulls

Ive never heard of that. All i thought that did was give CK a referral fee from amex or something.

I have heard of people freezing reports, but it doesn't always work.


Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Re: Rumors of controlling pulls

I'm already in with Amex and EX and EQ are frozen.  They'll either pull TU or ask me for my PIN.  They've never pulled anyone but EX for me.

Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Rumors of controlling pulls

Only a wselect few creditors will do this. In my experience I have only gotten Chase to do this. I froze my ex and apped for the Freedom card. I called in later that day and she told me my reports were frozen yada yada. I kindly asked if she could pull eq, she said yes and bam approved! Keep in mind I was talking to a backdoor credit analyst, not a frontline CSR.

Citi will absolutely not do this. I have tried twice.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Re: Rumors of controlling pulls

I'm not talking about controlling the pull through a freeze.  I'm talking about controlling it by using the Credit Karma referral link.

 

Please keep the thread focused on that aspect.

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Rumors of controlling pulls


flowfaster wrote:
Only a wselect few creditors will do this. In my experience I have only gotten Chase to do this. I froze my ex and apped for the Freedom card. I called in later that day and she told me my reports were frozen yada yada. I kindly asked if she could pull eq, she said yes and bam approved! Keep in mind I was talking to a backdoor credit analyst, not a frontline CSR.

Citi will absolutely not do this. I have tried twice.

Citi sucks and is such a waste of an inquiry. Took me a bunch of times applying to come to this conclusion.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Member
Posts: 43
Registered: ‎10-02-2012
0

Re: Rumors of controlling pulls

[ Edited ]

Your theory makes sense..CK is owned by TU, so perhaps they offer a discount on their referral rate that the company would pay if they use TU for that APP?

 

 

...As an aside to previous posters Amex also pulled all three on me, but I did get approved!

 

    Also Citi..yeah took me two months before I got my card in the mail. Thier CSR are not the best

    and getting beyond them is diffucult.

Super Contributor
Posts: 7,491
Registered: ‎12-11-2011
0

Re: Rumors of controlling pulls


Zanarov wrote:

Your theory makes sense..CK is owned by TU, so perhaps they offer a discount on their referral rate that the company would pay if they use TU for that APP?

 

 

...As an aside to previous posters Amex also pulled all three on me, but I did get approved!

 

    Also Citi..yeah took me two months before I got my card in the mail. Thier CSR are not the best

    and getting beyond them is diffucult.


CK isn't owned by TU, they simply just give information out based on your TU report. 



Contributor
Posts: 89
Registered: ‎01-08-2008
0

Re: Rumors of controlling pulls

I had heard such rumors also. I used their link when applying for Amex earlier this year hoping it was a TU pull (too many inq on EX and slightly higher TU score). 

 

Anyway, didn't work. They pulled EX for me anyway, although I was approved for muliple products.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.