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Established Member
Posts: 22
Registered: ‎01-27-2011
0

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
Posts: 1,603
Registered: ‎12-07-2008
0

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 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - 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 HD $1701- 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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Epic Contributor
Posts: 28,794
Registered: ‎10-23-2007
0

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

Established Member
Posts: 22
Registered: ‎01-27-2011
0

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
Posts: 1,296
Registered: ‎05-13-2010
0

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.

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $15k | Amex BCE - $25k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k | Discover it - $45.5k
New Contributor
Posts: 62
Registered: ‎12-04-2010
0

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
Posts: 640
Registered: ‎07-29-2010
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Re: Which credit bureau(s) did they pull for these cards?

EX for all 3 for me Smiley Sad

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

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
Posts: 16,381
Registered: ‎03-12-2007
0

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.

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0

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?? Smiley Surprised

 

 

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

* 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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