topic Re: Approvals only on Equifax? in Credit Card Applications

Approvals only on Equifax?

AzCreditGuy — Sun, 29 Jun 2025 18:58:32 GMT

Can the group tell me what approvals they have gotten on EQUIFAX only pull? Plus high SCL? I am thiking of doing 1 more credit card since I only have 1 pull on Equifax

Re: Approvals only on Equifax?

NoHardLimits — Sun, 29 Jun 2025 20:36:46 GMT

I have one data point to contribute from last year. Wells Fargo approved me for an Autograph Journey with a SL of $20k. Equifax was the only hard inquiry for me in Florida.

Re: Approvals only on Equifax?

FicoMike0 — Sun, 29 Jun 2025 21:03:31 GMT

This might help

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/6379773#M315069

Re: Approvals only on Equifax?

Jnbmom — Sun, 29 Jun 2025 21:11:23 GMT

I am in VA.

DCU

Penfed

Truist

Comenity AA Card

Elan financial

Re: Approvals only on Equifax?

Vinjints — Sun, 29 Jun 2025 21:21:29 GMT

Can also confirm Elan in Va.

Re: Approvals only on Equifax?

cashorcharge — Sun, 29 Jun 2025 23:02:02 GMT

Moving to Applications Thread

Re: Approvals only on Equifax?

youngandcreditwrthy — Mon, 30 Jun 2025 00:09:29 GMT

chitibank usually, but id freeze the others to make sure. citi also has pre qual rn. Citibank Online

Re: Approvals only on Equifax?

AzCreditGuy — Mon, 30 Jun 2025 01:53:01 GMT

@NoHardLimits wrote:
I have one data point to contribute from last year. Wells Fargo approved me for an Autograph Journey with a SL of $20k. Equifax was the only hard inquiry for me in Florida.

Thanks I have this card already from 2019 spree, cant remember who they pulled

Re: Approvals only on Equifax?

AzCreditGuy — Mon, 30 Jun 2025 01:54:46 GMT

@youngandcreditwrthy wrote:
chitibank usually, but id freeze the others to make sure. citi also has pre qual rn. Citibank Online

All three are frozen at the moment and I have a SYW Citi card that was EQ pulled SL was $4k and not impressed with the card, thinking other Citi cards would be the same outcome. I am in Az

Re: Approvals only on Equifax?

AzCreditGuy — Mon, 30 Jun 2025 01:56:27 GMT

@FicoMike0 wrote:
This might help
https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/6379773#M315069

I did see this but it wasnt any help, due to Az not being on the EQ list on a lot of these? I have all 3 locked at the moment and would only unlock EQ for the new credit app

Re: Approvals only on Equifax?

NoHardLimits — Mon, 30 Jun 2025 02:19:32 GMT

@AzCreditGuy wrote:
@NoHardLimits wrote:
I have one data point to contribute from last year. Wells Fargo approved me for an Autograph Journey with a SL of $20k. Equifax was the only hard inquiry for me in Florida.
Thanks I have this card already from 2019 spree, cant remember who they pulled

The Autograph Journey is a new card that was introduced last year with a $95 annual fee. Perhaps you are thinking about the no annual fee standard Autograph card or the older Propel card?

Re: Approvals only on Equifax?

AzCreditGuy — Mon, 30 Jun 2025 20:34:36 GMT

@NoHardLimits wrote:
@AzCreditGuy wrote:
@NoHardLimits wrote:
I have one data point to contribute from last year. Wells Fargo approved me for an Autograph Journey with a SL of $20k. Equifax was the only hard inquiry for me in Florida.
Thanks I have this card already from 2019 spree, cant remember who they pulled
The Autograph Journey is a new card that was introduced last year with a $95 annual fee. Perhaps you are thinking about the no annual fee standard Autograph card or the older Propel card?

Correct my autograph Non-AF is at $34k, I am good with Wells at the moment, trying to get other cards away from the major banks I am with now