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TU pullers

Regular Contributor

TU pullers

Hey guys i was wondering who pulls primarily TU i live in southern California and my TU has the least amount of inquiries i think like 6 now compared to 19 on EX who EVERYBODY seems to pull around here. My reports are clean no baddies at all 4 cards 1 auto loan i think im hovering around 675 for all of them

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Message 1 of 14
13 REPLIES
Moderator

Re: TU pullers


tylaw13 wrote:

Hey guys i was wondering who pulls primarily TU i live in southern California and my TU has the least amount of inquiries i think like 6 now compared to 19 on EX who EVERYBODY seems to pull around here. My reports are clean no baddies at all 4 cards 1 auto loan i think im hovering around 675 for all of them


Most GE backed cards, Barclay's.  Maybe some CU's that I don't know offhand.

 

I'm in the same boat as you with everyone wanting my EX report unless I go out of my way to get inquiries somewhere else (like opening up accounts at EQ pulling CU's but I digress); interesting enough though, BOFA actually appears to use TU for all their CLI's even with me and my having lived in S. Cali for 7.5 years, so I'm simply using my relationship with them to hit my TU report which I don't care much about other than for mortage or possibly car loan purposes otherwise.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 2 of 14
Established Contributor

Re: TU pullers

Discover likes TU. As was mentioned GECRB/GEMB and Barclays are TU only generally.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 3 of 14
Established Contributor

Re: TU pullers


Jlu wrote:

Discover likes TU. As was mentioned GECRB/GEMB and Barclays are TU only generally.


Discover pulls EQ for opening, TU for CLIs.

Message 4 of 14
Regular Contributor

Re: TU pullers

I think i may apply for the BarclayRewards. 5000 point bonus after first purchase and 2 points for 1$ spent on gas groceries and utilities seems pretty decent. any of you have the Barclay Rewards card?

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Message 5 of 14
Established Contributor

Re: TU pullers

djrez4, not always true. I was approved for Discover More last week and this showed up on my CK:

 

 

As you may know, CK works off of your TU report.

 

I even asked the underwriter at Discover and he said generally it is TU that they pull.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 6 of 14
Frequent Contributor

Re: TU pullers

Discover seems to always pull TU. I live in WA.


Message 7 of 14
Valued Contributor

Re: TU pullers

Discover pulled EQ for me in MA.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 14
Established Contributor

Re: TU pullers

^ I live south of Boston in MA so that is really strange.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 9 of 14
Valued Member

Re: TU pullers

For me discover pulled both from EQ & TU.

I understood most CUs prefer EQ and GE is TU friendly.

Amex surprised me with TU pull when I was expecting a EX pull...I pulled data from whogavemecredit.com and did research a bit to find Amex will go for EX but only to be proven wrong with a TU pull. Amex made 3 inquiries (one in each) to deny my app eventually :-(



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Message 10 of 14