Which CRA does US BANK pull? Is Discover Recon Easy?

[enharu]

Now that I got rejected for the BCP. I figured I might just apply for Discover or US Bank Cash+ in the meantime.

Which bureau does US Bank pull? I live in socal, california, if that matters.

Discover pulls EQUIFAX right?

What other banks are there that pull EQ or TU? I got <2 inquiries on those 2, but >8 inquiries on my EX, so EX is no go lol.

Anyone knows about discover recon process as well? Is it easy like Chase? Or is it inflexible like amex/citi?

[kevinjjc]

US Bank pulled EX for me in NY when I app'd for the Cash+. Discover pulled EQ.

[enharu]

o god. all these banks that pull EX is making me depressed 

are they inquiry sensitive? just curious lol.......

i'm definitely not adding anymore inquiries to my ex until some of them fall off this june.

[kevinjjc]

Do you live near a US Bank branch? You can only apply in-branch for the Cash+ card.

I think you should definitely go for the Discover it card with the $50 referral.

[enharu]

is discover easy on recons like chase as well? Or are they're inflexible like citi/amex?

i live in los angeles and there's a big US bank building 2miles away from where i live, so i am guessing there's one, though i have never paid attention to one myself. I doubt i'll be applying for it until later in the summer maybe.

[kevinjjc]

A good site to check out is http://www.whogavemecredit.com/

Also, google "credit pulls" and click on the "CB" site (the forbidden site as per myFICO LOL).

[kevinjjc]

Chase and Barclays are the best with recons. I honestly think you will get approved for a Discover card.

[enharu]

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@kevinjjc wrote:

Chase and Barclays are the best with recons. I honestly think you will get approved for a Discover card.

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haha thanks! i am hoping that too. my bmw statement is due today, so hopefully my loan balance gets updated and i can apply right away for discover.

just in case if i do get denied though, how are the odds like with their recon department?

[kevinjjc]

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@enharu wrote:

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@kevinjjc wrote:

Chase and Barclays are the best with recons. I honestly think you will get approved for a Discover card.

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haha thanks! i am hoping that too. my bmw statement is due today, so hopefully my loan balance gets updated and i can apply right away for discover.

just in case if i do get denied though, how are the odds like with their recon department?

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I'm not too knowledgeable about Discover recons, hopefully others will chime in.

YMMV. I was able to recon my initial limit of 5k to 10k:

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-More-approved-amp-initial-CL-recon-success-5k-...

[kevinjjc]

Keep us posted. Gotta get back to work!