topic Re: Chase pulled 2 bureaus - common? in Credit Card Approvals

Chase pulled 2 bureaus - common?

Anonymous — Wed, 13 Mar 2019 22:06:18 GMT

I applied and was immediately approved for a Chase Freedom Unlimited on 3/11. They did an HP on Experian at that time.

Now, a couple of days later, they HP'd Transunion. Is this common, for Chase to do two HP's, especially days apart?

Thanks, just curious....

Re: Chase pulled 2 bureaus - common?

Remedios — Wed, 13 Mar 2019 22:14:41 GMT

@Anonymous wrote:
I applied and was immediately approved for a Chase Freedom Unlimited on 3/11. They did an HP on Experian at that time.

Now, a couple of days later, they HP'd Transunion. Is this common, for Chase to do two HP's, especially days apart?

Thanks, just curious....

I think you're just getting TU notification late.

Did you look at actual CR and is the date of TU pull 03/11?

Re: Chase pulled 2 bureaus - common?

Remedios — Wed, 13 Mar 2019 22:15:03 GMT

Congrats on your approval, btw

Re: Chase pulled 2 bureaus - common?

Credit-hoarder — Wed, 13 Mar 2019 23:44:53 GMT

Everything I've ever applied for with Chase--cards and CLIs--they've hit my EX and EQ at the same time. So yes--it's pretty common.

Re: Chase pulled 2 bureaus - common?

Anonymous — Thu, 14 Mar 2019 01:09:09 GMT

The very two CRA Chase pulled for me.

Re: Chase pulled 2 bureaus - common?

CreditCuriosity — Thu, 14 Mar 2019 01:29:05 GMT

Very common with chase and citi.. Although usually one is for the credit and the other is for verification, but still the same to us, but the bank doesn't see it that way they usually only said they pulled x CRA and I am like know you also pulled y cra and they are like know we didnt and i clearly see it, so clearly they don't see it most of the times being the verification pull which more times than not especially with chase is experian

Re: Chase pulled 2 bureaus - common?

simplynoir — Thu, 14 Mar 2019 02:00:26 GMT

Everyone already covered the common 2-pull Chase does. Congrats on the new card!

Re: Chase pulled 2 bureaus - common?

800FICOGoal — Thu, 14 Mar 2019 04:07:33 GMT

I would expect a double pull from the big banks with Barclays being the odd one.

Congrats on the approval!!!!

Re: Chase pulled 2 bureaus - common?

Anonymous — Thu, 14 Mar 2019 10:24:05 GMT

Chase did a double pull for me for the Freedom Card EX and EQ.

Re: Chase pulled 2 bureaus - common?

Anonymous — Thu, 14 Mar 2019 10:50:09 GMT

@Anonymous wrote:
I applied and was immediately approved for a Chase Freedom Unlimited on 3/11. They did an HP on Experian at that time.

Now, a couple of days later, they HP'd Transunion. Is this common, for Chase to do two HP's, especially days apart?

Thanks, just curious....

Every time i have applied with chase, i have always been double pulled for TU and EX.

Re: Chase pulled 2 bureaus - common?

Anonymous — Thu, 14 Mar 2019 14:25:07 GMT

Congrats on your approval and very nice SL !!!

Re: Chase pulled 2 bureaus - common?

imaximous — Thu, 14 Mar 2019 14:49:38 GMT

It may be a regional thing? DW and I only got 1 HP for each card app or CLI request. They might've SP a second bureau, but only 1 hit per app.

Congrats on the approval!

Re: Chase pulled 2 bureaus - common?

Anonymous — Thu, 14 Mar 2019 18:32:04 GMT

@Remedios wrote:
I think you're just getting TU notification late.

Did you look at actual CR and is the date of TU pull 03/11?

I think you're right. I got the notification on 3/13/19, but not the report - I canceled my freebie Credit Check Total, so only got the one notification. I will see what my TU score took a hit for next month.

Re: Chase pulled 2 bureaus - common?

19eighty5 — Sat, 16 Mar 2019 00:56:27 GMT

Congratulations!!

Re: Chase pulled 2 bureaus - common?

Anonymous — Sun, 24 Mar 2019 18:31:22 GMT

If the CHOSEN bureau pulls by Chase is (EX &EQ) & if one of the bureaus are frozen do they flat out decline the app saying have to open it up or do they give try pull from TU & EQ?

Just wondering?

what has been the experience here? I'd say they would not be hard & fast about pulling only EX & EQ; they'd be more flexible & not give a decline.

Re: Chase pulled 2 bureaus - common?

Remedios — Sun, 24 Mar 2019 21:31:52 GMT

That would depend on individual profile.
They could approve with a single pull, ask to unlock then pull both again, decline with both single or double pull.