topic Which cards DON'T pull Experian? in Credit Card Applications

Which cards DON'T pull Experian?

DrDG — Thu, 06 Nov 2014 17:41:49 GMT

I was considering applying for another card but all the applying has dropped my Experian score, while my TU and EQ scores are still very good. Any suggestions? Thank you....

Re: Which cards DON'T pull Experian?

uswala — Thu, 06 Nov 2014 17:46:23 GMT

As far as I am aware Chase usually pulls EQ, Barclays usually pulls TU.

Re: Which cards DON'T pull Experian?

Anonymous — Thu, 06 Nov 2014 17:45:16 GMT

Diners Club. They pull TU

Re: Which cards DON'T pull Experian?

ojefferyo — Thu, 06 Nov 2014 18:23:35 GMT

@uswala wrote:
As far as I am aware Chase usually pulls EQ, Barclays usually pulls TU.

Chase pulled EX on me for the Southwest card. That was about a year ago and I do see them soft pull me on EX also

Re: Which cards DON'T pull Experian?

rryntz — Thu, 06 Nov 2014 18:28:56 GMT

chase pulled TU on me in the mid east

Re: Which cards DON'T pull Experian?

DrDG — Thu, 06 Nov 2014 18:32:50 GMT

Is chase pretty easy to get?

Re: Which cards DON'T pull Experian?

ojefferyo — Thu, 06 Nov 2014 18:38:58 GMT

@DrDG wrote:
Is chase pretty easy to get?

What would you consider easy? I guess as long and your scores and history are ok it would be "easy"

Re: Which cards DON'T pull Experian?

DrDG — Thu, 06 Nov 2014 18:42:30 GMT

My only concern is inquiries....

Re: Which cards DON'T pull Experian?

ojefferyo — Thu, 06 Nov 2014 18:54:50 GMT

I hear that chase doesn't like too many inquiries. As far as how many I don't know.

Re: Which cards DON'T pull Experian?

uswala — Thu, 06 Nov 2014 18:56:13 GMT

@ojefferyo wrote:
I hear that chase doesn't like too many inquiries. As far as how many I don't know.

Re: Which cards DON'T pull Experian?

skigirl916 — Thu, 06 Nov 2014 18:57:47 GMT

@uswala wrote:
As far as I am aware Chase usually pulls EQ, Barclays usually pulls TU.

Chase has pulled all three for me. They specifically don't have one CRA they pull from, it's random - verified three times via three different calls. Long story.

Re: Which cards DON'T pull Experian?

skigirl916 — Thu, 06 Nov 2014 18:58:56 GMT

@uswala wrote:
@ojefferyo wrote:
I hear that chase doesn't like too many inquiries. As far as how many I don't know.
+1

Again, not true in my experience. They keep giving me cards, and I now have 7-10 INQ on each report - all very recent, too.

Re: Which cards DON'T pull Experian?

Anonymous — Thu, 06 Nov 2014 21:30:06 GMT

@skigirl916 wrote:
@uswala wrote:
@ojefferyo wrote:
I hear that chase doesn't like too many inquiries. As far as how many I don't know.
+1
Again, not true in my experience. They keep giving me cards, and I now have 7-10 INQ on each report - all very recent, too.

They gave me SWA/CSP with 10 INQ on EX.

Re: Which cards DON'T pull Experian?

Anonymous — Thu, 06 Nov 2014 22:07:25 GMT

Chase pulled EX for me in VA. They actually double pulled EQ and EX. YMMV though.

Re: Which cards DON'T pull Experian?

BeeH11 — Fri, 07 Nov 2014 02:45:07 GMT

When I got both my Chase cards, I had high utilization but only 1 inq at the time of each app. My scores were around 700 mark. (No baddies/lates ever.)

Re: Which cards DON'T pull Experian?

B335is — Fri, 07 Nov 2014 02:52:02 GMT

I really wish people wouldn't mention Chase in this type of thread, it's totally YMMV with them.

BoA will pull an alternate, but it's only by request so it can't be done online. As mentioned Barclays usually pulls TU. You're best off googling creditpulls and searching specifically by your location.

Re: Which cards DON'T pull Experian?

Anonymous — Fri, 07 Nov 2014 03:14:12 GMT

@skigirl916 wrote:
@uswala wrote:
@ojefferyo wrote:
I hear that chase doesn't like too many inquiries. As far as how many I don't know.
+1
Again, not true in my experience. They keep giving me cards, and I now have 7-10 INQ on each report - all very recent, too.

7-10 inquiries are not considered to be a lot

I was OK with Chase till I had over 15 inquiries. Most were over 1 year old, some are about to fall off within the next 2 months, with over 9 falling off by April 2015. The Chase analysts I spoke to didn't care how old or recent those inquiries were. As long as it's on my file, they're holding it against me.

Most banks in general, do not like too many inquiries.

What is too many? That depends.

For people with thicker credit files, they could have over 20 inquiries and it still won't be an issue.

For people with limited credit, some may have problems by just having 4 recent inquiries.

It also depends if you have any derogs on file. If you do, then they're going to be stricter as well.

Lastly, what are those inquiries due to? If the bulk of it are due to auto and mortgage loans, then you should be ok, assuming those inquiries are labelled correctly or you can explain what happened to the analyst.

Back on topic....

Discover, Ally and Barclays generally do not pull Experian regardless of where you live.

As for other banks, it depends on your geographical location.

You can also check out other smaller banks, credit unions or store cards. Nordstrom for instance pulls EQ.