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Established Contributor
Posts: 504
Registered: ‎08-28-2012
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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: 2,263
Registered: ‎07-23-2012
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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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
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Amex Zync(Unicorn)
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Senior Contributor
Posts: 4,581
Registered: ‎12-11-2011
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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
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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: 790
Registered: ‎08-30-2011
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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
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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
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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
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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.

Senior Contributor
Posts: 4,581
Registered: ‎12-11-2011
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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: 82
Registered: ‎01-08-2008
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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.

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