Which credit bureau(s) did they pull for these cards?

[Anonymous]

-Discover More

-Citi ThankYou Premier

-AmEx Zync

I'm in the SF Bay Area if it makes a difference.

Also, do you think I even stand a chance with any of those cards based on the following information:

-myfico.com (1/11)--757(EQ) and 762(TU).

-annual income of $45,000

-30,000 in student loan debt

-one BofA Visa with a 16,000 credit limit and <1% of utilization

-one inquiry from 08/09 for apartment rent

-AAoA 2 years, 3 m

-no late payments, public records, collections, errors on reports

[clocktick]

I believe Discover is primarily EQ and Amex EX.  I'm not sure about Citi and sometimes it varies.

[Creditaddict]

I would not think you would have a problem with any of them.  Just apply in this order:

Discover

Citi

Amex

[Anonymous]

Thanks for the replies.

Creditaddict, how much time between each app would you recommend? a couple of days? 2-3 months? 6 months? 

[smc733]

---

@Anonymous wrote:

Thanks for the replies.

Creditaddict, how much time between each app would you recommend? a couple of days? 2-3 months? 6 months? 

---

If you don't have many recent inquiries, you can apply for them 1 day apart (just to be safe).

For me:

Discover has always pulled TU (Just got approved for a More card)

Citi pulled Equifax for my Forward (now ThankYou Card)

Amex pulled all three for me when I applied for Zync twice and denied. 

When I applied for Blue, and got a "tentative approval based on 4506 to be submitted", they only pulled EX.

[jonmyers]

I'm in Michigan, and Discover has always pulled TU on me.

[andre181]

EX for all 3 for me 

[vish1]

I applied for Amex Zync abt 10 days back (pre selected on their website), got an instant approval but all 3 were pulled. I am in MA

[fused]

---

@Anonymous wrote:

-Discover More

-Citi ThankYou Premier

-AmEx Zync

I'm in the SF Bay Area if it makes a difference.

Also, do you think I even stand a chance with any of those cards based on the following information:

-myfico.com (1/11)--757(EQ) and 762(TU).

-annual income of $45,000

-30,000 in student loan debt

-one BofA Visa with a 16,000 credit limit and <1% of utilization

-one inquiry from 08/09 for apartment rent

-AAoA 2 years, 3 m

-no late payments, public records, collections, errors on reports

---

I have CCs will all three of the companies you're asking about. Here is what they pulled:

Discover: EX and TU

CITI: EQ and TU

Amex: EQ and EX

I live in Hawaii.

[haulingthescoreup]

---

@fused wrote:

---

@Anonymous wrote:

-Discover More

-Citi ThankYou Premier

-AmEx Zync

I'm in the SF Bay Area if it makes a difference.

Also, do you think I even stand a chance with any of those cards based on the following information:

-myfico.com (1/11)--757(EQ) and 762(TU).

-annual income of $45,000

-30,000 in student loan debt

-one BofA Visa with a 16,000 credit limit and <1% of utilization

-one inquiry from 08/09 for apartment rent

-AAoA 2 years, 3 m

-no late payments, public records, collections, errors on reports

---

I have CCs will all three of the companies you're asking about. Here is what they pulled:

Discover: EX and TU

CITI: EQ and TU

Amex: EQ and EX

I live in Hawaii.

---

They each harded you on two? With your scores??

I've never once been harded on more than one report.