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

Established Member

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


Take the FICO Fitness Challenge

Message 1 of 13
12 REPLIES
Valued Contributor

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


Take the FICO Fitness Challenge

Message 2 of 13
Epic Contributor

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

Message 3 of 13
Established Member

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


Take the FICO Fitness Challenge

Message 4 of 13
Valued Contributor

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 - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 5 of 13
New Contributor

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

I'm in Michigan, and Discover has always pulled TU on me.
Message 6 of 13
Established Contributor

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
Message 7 of 13
Valued Contributor

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

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 8 of 13
Moderator Emeritus

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.

Message 9 of 13
Moderator Emerita

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
Message 10 of 13