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chase cli which bureau do they hard pull?

Established Member

chase cli which bureau do they hard pull?

Title says it all. Does anyone know which bureau Chase HPs from when asking for a CLI? Thanks in advance.

Message 1 of 9
8 REPLIES
Frequent Contributor

Re: chase cli which bureau do they hard pull?

Pretty much always Experian.

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 2 of 9
Frequent Contributor

Re: chase cli which bureau do they hard pull?


Bay_Area_Joe wrote:

Pretty much always Experian.


glad to know this


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$85,300 total card credit FICO Equifax-816, FICO Transunion-769, FICO Experian-769, DTI-20.4%
Message 3 of 9
Valued Contributor

Re: chase cli which bureau do they hard pull?

Experian 100% for me.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 4 of 9
Established Contributor

Re: chase cli which bureau do they hard pull?


visorboy1974 wrote:

Experian 100% for me.  


Ugh, it seems like everyone pulls Experian now a days...no way to space out inquiries to differnt reports.

Message 5 of 9
Valued Contributor

Re: chase cli which bureau do they hard pull?

When I use Maryland its Equifax and TransUnion for Michigan; it most likely differs depending on where you live.
Message 6 of 9
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Established Member

Re: chase cli which bureau do they hard pull?

What about Illinois? Can they use the same hard pull for 2 cards?

Starting Score: 660
Current Score: EX FAKO 799 (Credit.com), TU FICO (Discover) 757 (4/19/14), TU MYFICO 738, EQ ?
Goal Score: 800

Amazon 3500 - PayPal Credit 6000 - Discover IT 9000 - AMEX TE 2000 - AMEX BCE 2000 - CITI TY 6000 - CITI Simplicity - 5900 - Chase Freedom 5800 - Chase Amazon 1700 - Macys 1000 - Cap 1 4000 - CITI Shell 1200 - Chase INK 2000 - CSP 10800 - BofA Cash 5000
Message 7 of 9
Community Leader
Senior Contributor

Re: chase cli which bureau do they hard pull?


nash2vic wrote:
What about Illinois? Can they use the same hard pull for 2 cards?

They will not use the same HP for two separate products.  If your application elegibility is borderline, they may use 2 HPs with an alternate CR.

Message 8 of 9
Community Leader
Senior Contributor

Re: chase cli which bureau do they hard pull?


navigatethis12 wrote:
When I use Maryland its Equifax and TransUnion for Michigan; it most likely differs depending on where you live.

+1

 

It depends on geographical location.  EX appears to be used for the majority with TU as alternate.

Message 9 of 9