Sorry - I misunderstood.  I thought you were defending your intent to app for it by explaining your history with US Bank.

Still...don't app for it.  

TU for me in Ohio..

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Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club
BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

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Link2k wrote:

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Imhotrodcrazy wrote:

 I am in so cal and they pulled ex for me.

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Did you apply in branch or online?

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I app'd by phone

They mostly pull Experian

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

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Starting Score: 580
Current Score: 747
Goal Score: 800+

Take the FICO Fitness Challenge

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Creditaddict wrote:

I did online chat and of course the rep told me the "Computer Randomly Picks 1 of the 3 to do the pull from"

Also what is considered Bill Pay items?

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It's EX in California unless done in branch then it is EQ.