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chase cli which bureau do they hard pull?

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godsentdeath
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 8
Bay_Area_Joe
Frequent Contributor

Re: chase cli which bureau do they hard pull?

Pretty much always Experian.

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 2 of 9
Steelersboy
Frequent Contributor

Re: chase cli which bureau do they hard pull?


@Bay_Area_Joe wrote:

Pretty much always Experian.


glad to know this


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$89,500 total card credit FICO Equifax-823, FICO Transunion-774, FICO Experian-769, DTI-20.4%
Message 3 of 9
visorboy1974
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
shane82388
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
navigatethis12
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
nash2vic
Valued 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

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Message 7 of 9
FinStar
Moderator Emeritus

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
FinStar
Moderator Emeritus

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
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