topic Re: Not Getting the Point of Chase Pulling From EX in Credit Card Applications

Not Getting the Point of Chase Pulling From EX

chalupaman — Sat, 22 Nov 2014 20:10:22 GMT

for the Freedom card. I just got the denial letter today and it seems like they primarily just used Equifax to make the decision. Does anyone know why they pull from EX too when they told me that they really needed the Equifax report the most? one of the people I talked to the other day couldn't even see where Chase even pulled from EX at all when I was going through recon.

Re: Not Getting the Point of Chase Pulling From EX

CreditCuriosity — Sat, 22 Nov 2014 20:35:34 GMT

When I tried to recon my Amazon Visa denial with chase, they had no clue they also pulled EX as well and stated that only pulled TU.. My scenario was a bit different and got the EX pull removed due my circumstance via the EO office. For some reason it appears they can't see EX pulls or double pull sometime? I had a freeze on my report snd they just stated they needed to pull TU unfrooze it then that is when the double pull happened although they said only TU was going to be pulled in my case. Other then that I have no idea why?

Re: Not Getting the Point of Chase Pulling From EX

FinStar — Sat, 22 Nov 2014 20:44:09 GMT

Does your letter display both CRAs puled, EQ and EX? When you attempted a reconsideration, was this done the same day you applied?

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Sat, 22 Nov 2014 22:44:00 GMT

I initlaly had EQ frozen and they asked me to unfreeze it and that was before I had tried to do recon. The letter only has an Equifax score on it and nothing from Experian.

Re: Not Getting the Point of Chase Pulling From EX

Creditaddict — Sun, 23 Nov 2014 00:45:34 GMT

My 3 chase apps have been EX only pulls!
My ink the week before last was also EX only and with recon still EX only.

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Sun, 23 Nov 2014 01:25:00 GMT

@Creditaddict wrote:
My 3 chase apps have been EX only pulls!
My ink the week before last was also EX only and with recon still EX only.

What state are you specifically? I'm in GA.

Re: Not Getting the Point of Chase Pulling From EX

Anonymous — Sun, 23 Nov 2014 02:17:29 GMT

@chalupaman wrote:
for the Freedom card. I just got the denial letter today and it seems like they primarily just used Equifax to make the decision. Does anyone know why they pull from EX too when they told me that they really needed the Equifax report the most? one of the people I talked to the other day couldn't even see where Chase even pulled from EX at all when I was going through recon.

Because they're trying to prevent churn by placing an inquiry on a CRA that can't be...."manipulated"

Re: Not Getting the Point of Chase Pulling From EX

Anonymous — Mon, 24 Nov 2014 19:50:27 GMT

My original app for a freedom was an exp pull but was denied due to lack of history. My precious Aarp was also an exp pull. I'm in southern California, which has been pretty exp happy in regards to apps.

Re: Not Getting the Point of Chase Pulling From EX

ojefferyo — Tue, 25 Nov 2014 00:26:12 GMT

I got a pull from EX and EQ when I app'd for my Marriott card, I'm going to see what shows when the card arrives. If it doesn't show both info I'm going to dispute it with them to see what the deal is with this double pull.

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Tue, 25 Nov 2014 00:37:41 GMT

@ojefferyo wrote:
I got a pull from EX and EQ when I app'd for my Marriott card, I'm going to see what shows when the card arrives. If it doesn't show both info I'm going to dispute it with them to see what the deal is with this double pull.

You know, I should try doing the same thing if they never needed it. What's the best way of going about disputing this? When I applied for the Freedom earlier this year, they also pulled EX but I don't remember them ever having a score from that bureau on my denial letter, just what my internal score with them was.

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Tue, 25 Nov 2014 00:48:45 GMT

Alright so I called Chase recon and they told me to go to Experian to dispute the inquiry because they keep saying they only pulled EQ to make the decision, just like how they've always just pulled EQ for my cobranded card applications. I see a lot of potential to get rid of some inquiries that I have from Chase that were probably made in error for the most part like when I tried for the Freedom back in May. I also guess that means that if they're not even gonna use EX

Re: Not Getting the Point of Chase Pulling From EX

ojefferyo — Tue, 25 Nov 2014 00:47:37 GMT

Are you sure it was an internal score?

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Tue, 25 Nov 2014 01:13:52 GMT

@ojefferyo wrote:
Are you sure it was an internal score?

Yup. That's what I remember. It had its own scoring system distinct from the FICO when I got denied then and it was somewhere in the 620s or so. This time there was just an EQ score on my AA letter.

Update: I decided to call the Chase EO and dispute it with them.

Re: Not Getting the Point of Chase Pulling From EX

ojefferyo — Tue, 25 Nov 2014 01:25:55 GMT

What did they say?

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Tue, 25 Nov 2014 01:39:45 GMT

@ojefferyo wrote:
What did they say?

This person I talked to started a case for me and someone will be contacting me within 24-48 hours though I can call them back sooner if want a quicker response.

Re: Not Getting the Point of Chase Pulling From EX

dabo1502 — Tue, 25 Nov 2014 03:46:13 GMT

@chalupaman wrote:
@ojefferyo wrote:
What did they say?
This person I talked to started a case for me and someone will be contacting me within 24-48 hours though I can call them back sooner if want a quicker response.

I applied for the Chase Slate in May, 2014 and they double pulled EX and EQ. I also app'd for the Freedom about 10 days ago, and they double pulled me again. I live in Houston, Texas. I am gardening now, but based on two apps , Chase simply double pull...and I have scores 770+ - go figure!

Re: Not Getting the Point of Chase Pulling From EX

Anonymous — Tue, 25 Nov 2014 04:00:11 GMT

@dabo1502 wrote:
@chalupaman wrote:
@ojefferyo wrote:
What did they say?
This person I talked to started a case for me and someone will be contacting me within 24-48 hours though I can call them back sooner if want a quicker response.
I applied for the Chase Slate in May, 2014 and they double pulled EX and EQ. I also app'd for the Freedom about 10 days ago, and they double pulled me again. I live in Houston, Texas. I am gardening now, but based on two apps , Chase simply double pull...and I have scores 770+ - go figure!

Again YMMV.

I've only ever had single pull for TWO cards at a time from them. same with AMEX. Luck? Perhaps.

Who knows, they could double pull me next time I go for a Chase card.

Re: Not Getting the Point of Chase Pulling From EX

Anonymous — Tue, 25 Nov 2014 20:04:24 GMT

I applied for the Chase SW RR Visa a couple of weeks ago and then a few days later, another Chase card. Looking at my report, they double pulled me also but only for the first card. I also live in GA.

Re: Not Getting the Point of Chase Pulling From EX

mongstradamus — Tue, 25 Nov 2014 20:30:02 GMT

Chase can be hard to figure out, i think maybe they double pull if you are border line? With that being said i did get double pulled for CSP, but i hear an lot of people gettign double pulled when applying for travel cards.

Re: Not Getting the Point of Chase Pulling From EX

chalupaman — Tue, 25 Nov 2014 20:33:39 GMT

@Anonymous wrote:
I applied for the Chase SW RR Visa a couple of weeks ago and then a few days later, another Chase card. Looking at my report, they double pulled me also but only for the first card. I also live in GA.

Chase SW was one of the cards that I applied for where they only pulled from EQ. The only time they've ever pulled from EX too for me has been for the Freedom card. I guess YMMV depending on where you live.

Also, someone is now looking into my case so I should be hearing back from Chase in the next couple of days.