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Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Which lender is inquiry sensitive??

 

chase, discover,amex,  and citi??

 

From the least to the most

 

 

 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



New Contributor
melbaro
Posts: 89
Registered: ‎08-03-2012

Re: Which lender is inquiry sensitive??

From personal experience, I'd say Citi. All others approved me EVEN with the wasted inquiries on Citicards beforehand.

Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: Which lender is inquiry sensitive??

Barclay's is

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Which lender is inquiry sensitive??


melbaro wrote:

From personal experience, I'd say Citi. All others approved me EVEN with the wasted inquiries on Citicards beforehand.


I've wasted 2 inquiries on citi, 2 on amex and 2 on chase on my EX report the past 4 months... all denied.. those three were the cards I would like to have in the future including discover... ... so citi is the most.... how about discover and chase?? I think amex is not so inquiry sensitive cause they have their own scoring system....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Which lender is inquiry sensitive??

Citi, AMEX, Discover, then Chase.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Which lender is inquiry sensitive??


john398 wrote:

Barclay's is


for some reason, barclay denied me TWICE as well the past year....lol.... i never get any love from them


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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