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Which CRA's do CHASE and AMEX use when applying for a credit card???

Which CRA's do CHASE and AMEX use when applying for a credit card???

Earlier this year, I needed a car loan through USAA and their HARD PULL was from Equifax (only). So, I am going to be taking the BIG SPLASH this September and apply for two credit cards - upgrades from my Capital One's.

 

After doing my homework (thanks guys for the help, btw), I am going to apply for: 1) a CHASE (at minimum, CHASE FREEDOM card; at maximum, CHASE SAPHIRE PREFERRED); 2) and, an AMEX (at minimum, TRUE EARNINGS CARD FROM COSTCO and AMEX; at maximum, BLUE CASH PREFERRED from AMEX).

 

I will be getting one of those two CHASE cards and one of those two AMEX.

 

1) Which CRA does CHASE do their HARD PULL from? Only one or all three?

2) Which CRA does AMEX do their HARD PULL from? Only one or all three?

 

I ask, b/c EQUIFAX has the most HARD PULLS on my report (5); and TRANSUNION is my lowest FICO (684) at a 42% UTI. All three FICO's will be higher next month (Septmeber) when I apply as I lower my UTI to 7%.

 

Thanks in advance, as always.

Message 1 of 22
21 REPLIES
Frequent Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Both Chase and AMEX have pulled only from EX for me for all 5 of my cars between the two.

Message 2 of 22
Valued Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Both those issuers randomy pick cra to pull from.  Amex however is more reliably a ex puller but I have seen others being pulled for credit cards.  If you Amex charge card, it will definitely be ex and if marginal, one other cra.  Amex revolver is a bit more mixed.  Chase on other hand is a crap shoot.

               LIMITS IN CARD DESCRIPTIONS
Message 3 of 22
Established Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Chase has pulled Equifax for me both times.  Amex pulled all 3 for my charge card application a few years ago, but just Experian for my Blue this year.  The tri-pull was certainly due to my short history (8 months) and my high utilization (50%+).  Of course, this was just my experience and YMMV.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 4 of 22

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

That would be SWEET.  Experian is my highest FICO(and most up-to-date, btw) CRA.   Thanks

Message 5 of 22
Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Both pulled EX for me. However, Amex was having issues getting through to Experian for my recent PRG app and wound up pulling TU - which resulted in 2 HP's.

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
Message 6 of 22
Established Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Amex pulled EX for me and Chase pulled TU.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 22
Established Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Amex almost exclusively uses Ex. By the way, if your utilization is still around 42% and/or your FICO score is less than @700, it will likely be a denial for this particular Amex product. Just make sure to get the back door # and try a recon. Good Luck!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 8 of 22
Valued Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Chase is random, known to pull all 3 equally.

 

AMEX pulls EX first, and if your EX CR is borderline then HP EQ and TU in addition.

Message 9 of 22
Established Contributor

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Amex pulled EX and chase EQ.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 10 of 22