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Established Contributor
kobe2012
Posts: 587
Registered: ‎03-16-2012

Which lender is inquiry sensitive??

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‎08-13-2012 11:29 AM

 

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
tryin to garden!!!!!
/s1347.photobucket.com/user/elaineee0824/media/American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png.html" target="_blank"> photo American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png">



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melbaro
Posts: 70
Registered: ‎08-03-2012

Re: Which lender is inquiry sensitive??

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‎08-13-2012 11:31 AM

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

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john398
Posts: 2,360
Registered: ‎01-19-2009

Re: Which lender is inquiry sensitive??

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‎08-13-2012 11:37 AM

Barclay's is

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kobe2012
Posts: 587
Registered: ‎03-16-2012

Re: Which lender is inquiry sensitive??

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‎08-13-2012 11:38 AM

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
tryin to garden!!!!!
/s1347.photobucket.com/user/elaineee0824/media/American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png.html" target="_blank"> photo American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png">



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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: Which lender is inquiry sensitive??

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‎08-13-2012 11:38 AM

Citi, AMEX, Discover, then Chase.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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kobe2012
Posts: 587
Registered: ‎03-16-2012

Re: Which lender is inquiry sensitive??

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‎08-13-2012 11:39 AM

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
tryin to garden!!!!!
/s1347.photobucket.com/user/elaineee0824/media/American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png.html" target="_blank"> photo American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png">



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