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Established Member
mordantmaxim
Posts: 22
Registered: ‎01-27-2011

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

-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


Starting Score: 748 EX (PSECU 01/12)
Current Score: 748
Goal Score: 800


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Valued Contributor
clocktick
Posts: 1,578
Registered: ‎12-07-2008

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

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

11/30/08 TU 648 EX 672 EQ 656 MARCH 2014 TU 763 EX 740 EQ 721
Amex BCP $24.1K/Clear $8.5- Barclays LLBean $15k/Sallie Mae $12.5 -Cap One QS $4 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Mega Contributor
Creditaddict
Posts: 16,879
Registered: ‎10-23-2007

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

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

Discover

Citi

Amex

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Established Member
mordantmaxim
Posts: 22
Registered: ‎01-27-2011

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

Thanks for the replies.

 

 

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


Starting Score: 748 EX (PSECU 01/12)
Current Score: 748
Goal Score: 800


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Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

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

 


mordantmaxim 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.

New Contributor
jonmyers
Posts: 62
Registered: ‎12-04-2010

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

I'm in Michigan, and Discover has always pulled TU on me.
Established Contributor
andre181
Posts: 621
Registered: ‎07-29-2010

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

EX for all 3 for me :smileysad:

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011

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

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

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Moderator Emeritus
fused
Posts: 16,166
Registered: ‎03-12-2007

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

 


mordantmaxim 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.

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

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

 


fused wrote:

mordantmaxim 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?? :smileysurprised:

 

 

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

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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