topic Re: Andrews FCU triple pull in Credit Card Applications

Andrews FCU triple pull

SouthJamaica — Sun, 22 Nov 2020 03:31:28 GMT

I've heard of Capital One triple pulling, and Chase double pulling.

But I never heard of a credit union pulling all 3 bureaus on a credit card application.

But that's what Andrews Federal Credit Union just did to me when I applied for a credit card.

Re: Andrews FCU triple pull

cashorcharge — Sun, 22 Nov 2020 03:40:33 GMT

Re: Andrews FCU triple pull

Anonymous — Sun, 22 Nov 2020 03:42:53 GMT

@SouthJamaica I'm sorry to hear that you got tripple pulled! Ugh, I remain cautious of Cap One due to the whole tripple pulls thing.

Did you also get an approval? Did they pull all three on the same date?

Re: Andrews FCU triple pull

SouthJamaica — Sun, 22 Nov 2020 03:57:29 GMT

@Anonymous wrote:
@SouthJamaica I'm sorry to hear that you got tripple pulled! Ugh, I remain cautious of Cap One due to the whole tripple pulls thing.

Did you also get an approval? Did they pull all three on the same date?

1. I haven't heard one way or the other. If I don't get the card I'm going to be really mad, instead of just mildly peeved

2. I don't really know exactly when the pulls came in, but they seemed to be spread over 2 days.

Re: Andrews FCU triple pull

FinStar — Sun, 22 Nov 2020 03:59:30 GMT

Ouchies, but did this end up pending or ...?

I know there was an obscure CU someone had mentioned a while back that did a triple-whipple, but I can't recall at the moment. Rare for sure, but not unheard of.

Re: Andrews FCU triple pull

Anonymous — Sun, 22 Nov 2020 04:12:16 GMT

You BETTER get approved after all those pulls.

Re: Andrews FCU triple pull

Slabenstein — Sun, 22 Nov 2020 04:19:57 GMT

@Anonymous wrote:
You BETTER get approved after all those pulls.

Approval + 2 CLI's!

Re: Andrews FCU triple pull

CreditMagic7 — Sun, 22 Nov 2020 04:36:12 GMT

Re: Andrews FCU triple pull

Wavester64 — Sun, 22 Nov 2020 16:25:27 GMT

@SouthJamaica wrote:
I've heard of Capital One triple pulling, and Chase double pulling.

But I never heard of a credit union pulling all 3 bureaus on a credit card application.

But that's what Andrews Federal Credit Union just did to me when I applied for a credit card.

Ouch!

I know with me for an Auto Financing Loan it was a single pull, then again, different product.

This will make me think twice if they ever send me a mailer for thier Titanium Card for sure.

Re: Andrews FCU triple pull

Kasuito39 — Sun, 22 Nov 2020 16:48:01 GMT

@SouthJamaica, please note your not alone!

Well, they triple pulled me for the PLOC and denied it.

I thought I could use the same pulls and applied for the Platinum Rewards but they re- pulled Experian and Equifax and denied it.

I sent them a recon letter and they approved me for the Platinum Rewards.

Total hard pulls = 5.

I'll be keeping this one for a lifetime.

Re: Andrews FCU triple pull

CreditCuriosity — Sun, 22 Nov 2020 17:08:16 GMT

@Kasuito39 wrote:
@SouthJamaica, please note your not alone!

Well, they triple pulled me for the PLOC and denied it.
I thought I could use the same pulls and applied for the Platinum Rewards but they re- pulled Experian and Equifax and denied it.

I sent them a recon letter and they approved me for the Platinum Rewards.

Total hard pulls = 5.

I'll be keeping this one for a lifetime.

ouch.. what were your scores and DTI and new accounts? What was reason for denial? thanks

Re: Andrews FCU triple pull

Kasuito39 — Sun, 22 Nov 2020 20:05:11 GMT

I'm convinced you never know which pull to go with Andrews FCU but at least they reconsider and essentially approve, at least they did for me after being a member for over 1 year and receiving 5 total pulls recently for requesting 2 credit products with one denied (PLOC =3 pulls) and one approved after Recon letter (Platinum Rewards = 2 pulls). Not sure whether it's due to my BK 7 in 2017.

Re: Andrews FCU triple pull

Kasuito39 — Sun, 22 Nov 2020 17:15:04 GMT

Fico scores EQ 698, Ex 689 & TU 677. DTI is 1%, reason for denial for PLOC BK 7 and initial denial for Platinum Rewards is BK 7 and too many recent open accounts.

Re: Andrews FCU triple pull

CreditCuriosity — Sun, 22 Nov 2020 17:37:08 GMT

Thanks so sounds like more-so bk and scores with inquiries added on.. Least you got them on recon. Mind if i ask how long you were a member for before applying for credit? Thanks!

Re: Andrews FCU triple pull

Kasuito39 — Sun, 22 Nov 2020 19:16:30 GMT

@CreditCuriosity I was member of Andrews FCU since February 2019 but never applied for any credit products due to waiting fpr BK 7 to season

Re: Andrews FCU triple pull

Meanmchine — Mon, 23 Nov 2020 05:53:14 GMT

@SouthJamaica wrote:
I've heard of Capital One triple pulling, and Chase double pulling.

But I never heard of a credit union pulling all 3 bureaus on a credit card application.

But that's what Andrews Federal Credit Union just did to me when I applied for a credit card.

*ouchie*

Re: Andrews FCU triple pull

Conceptual23 — Mon, 23 Nov 2020 12:11:19 GMT

That hurts. When I appd they only hit me with a single pull. Didn't know they could do a triple. Something to remember when I reapp in four months.

Re: Andrews FCU triple pull

cashorcharge — Mon, 23 Nov 2020 17:33:31 GMT

I didn't think to ask you @SouthJamaica , as a general rule, I keep everything frozen and then unfreeze each bureau accorordingly when I am applying for something. That being said, I usually try to find out which will be pulled so I only unfreeze what is necessary in advance.

In your case, do you always keep all 3 bureaus open and thus giving them free reign to pull all 3 or did/do you keep them locked and they messaged you something to the effect of "please unfreeze all your reports for us to process this application?"

Considering the variation on responses here, that would be helpful to know. Thanks

Re: Andrews FCU triple pull

CreditCuriosity — Mon, 23 Nov 2020 19:30:45 GMT

@SouthJamaica here anything back from them today? Kinda bored and have an itch

Re: Andrews FCU triple pull

coldfusion — Mon, 23 Nov 2020 20:51:07 GMT

@CreditCuriosity wrote:
@SouthJamaica here anything back from them today? Kinda bored and have an itch