topic Re: What CC's pull from TU only? in Credit Card Applications

What CC's pull from TU only?

Gmood1 — Sat, 11 Jul 2015 23:41:57 GMT

I'm curoius if there are any CC companies that just pull TU? TU isn't my best score, but has the fewest inq's.

Thanks for any info!

Re: What CC's pull from TU only?

Anonymous — Sat, 11 Jul 2015 23:50:48 GMT

Off the top of my head I can only think of Barclays. I know BoA pulled TU for my CLI but I don't think they do use TU for new applications.

EDIT: Found an older thread with other banks: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Any-Credit-Cards-that-pull-TransUnion-ONLY/td-p/2501555

Re: What CC's pull from TU only?

Anonymous — Sat, 11 Jul 2015 23:59:55 GMT

In addtion to wha tthe above poster said, the credit pull database will also tell you which lender pulls TU exclusively.

Re: What CC's pull from TU only?

Gmood1 — Sun, 12 Jul 2015 00:17:03 GMT

Thanks guys, I'll go to the database site and research some more.

Re: What CC's pull from TU only?

ewrcjt — Sun, 12 Jul 2015 00:18:01 GMT

Re: What CC's pull from TU only?

Anonymous — Sun, 12 Jul 2015 01:45:39 GMT

From my experience, US Bank also pulled TU for a CC, but EX for a HELOC so YMMV.

Re: What CC's pull from TU only?

Gmood1 — Sun, 12 Jul 2015 01:52:08 GMT

Cool thanks for the lead!

Re: What CC's pull from TU only?

Anonymous — Sun, 12 Jul 2015 13:19:36 GMT

Chase only pulled from TU

Re: What CC's pull from TU only?

NY2014 — Sun, 12 Jul 2015 13:50:22 GMT

Correct me if im wrong , Hardly seen post or moist chase pulls TU. Always Ex . for me .. Maybe depends what Region ? east coast here ..

Re: What CC's pull from TU only?

FinStar — Sun, 12 Jul 2015 15:52:01 GMT

@NY2014 wrote:
Correct me if im wrong , Hardly seen post or moist chase pulls TU. Always Ex . for me .. Maybe depends what Region ? east coast here ..

IME, they have pulled EX and EQ. A long while ago, they pulled TU. And, I'm also on the East Coast.

Re: What CC's pull from TU only?

taxi818 — Sun, 12 Jul 2015 15:59:08 GMT

@FinStar wrote:
@NY2014 wrote:
Correct me if im wrong , Hardly seen post or moist chase pulls TU. Always Ex . for me .. Maybe depends what Region ? east coast here ..
IME, they have pulled EX and EQ. A long while ago, they pulled TU. And, I'm also on the East Coast.
On freedom chased did pull tu for me. But when I was declined last year. They pull eq and ex. But this time my eq was frozen on the pre approval site. So they pulled tu.

Re: What CC's pull from TU only?

Gmood1 — Sun, 12 Jul 2015 17:28:32 GMT

Chase pulled TU and EX for me. Capital one pulled all 3 CB's.

Re: What CC's pull from TU only?

12njoy — Mon, 13 Jul 2015 04:03:40 GMT

@Gmood1 wrote:
I'm curoius if there are any CC companies that just pull TU? TU isn't my best score, but has the fewest inq's.
Thanks for any info!

Barclays, Synchrony, and US Bank have always pulled TU for me in Ohio. 5/3 Bank has pulled TU and EQ for me. NFCU has pulled TU when EQ is on ice. Oh and State Farm pulled TU for me twice (I got approved and kept card for one year and closed it due to low CL).

Re: What CC's pull from TU only?

Anonymous — Mon, 13 Jul 2015 05:24:26 GMT

During my app spree the following were exclusive TransUnion

Synchrony Financial/ PayPal Extra
Synchrony Financial/ Walmart

California

Chase for co-brand card pulled TransUnion. On recosideration pulled TransUnion and Experian. On Chase Freedom pulled Experian. (mixed results)

Re: What CC's pull from TU only?

Revelate — Mon, 13 Jul 2015 07:17:04 GMT

Inquiry distribution really isn't a big factor these days once you pass a certain number of new accounts anyway.

There are few dedicated TU pullers: couple CU's, Barclays, most Synchrony cards, and that's sorta it. Merrick I think too and maybe Fifth-Third?

ETA: Those last two have some distribution of other pulls in them.

Re: What CC's pull from TU only?

Gmood1 — Mon, 13 Jul 2015 08:48:21 GMT

My TU report just doesn't get much love from creditors. Whether it's reporting a pull or an account. My EX on the other hand has been hammered!

7 inq's on TU now and 11 on EX.

I went a head and apped for the Paypal extra Mastercard. They did in fact pull just TU. Ended up with a $1500 limit. I was hoping for more but it will do for now.

10 for 10 on the Apps. Only got it so I could have my baby daughter's picture imposed on the card. lol

The lower limit may get it SD in the end. Thanks for all the great info guys.

Re: What CC's pull from TU only?

NY2014 — Mon, 13 Jul 2015 09:33:23 GMT

Yes I can relate. I'm always getting Pulls from 717 EQ .13. 729 EX just picked up 2 capital one, total 8 and TU my highest score Now 750 4 inq, I think I might app for PayPal MC, U.S Bank Business Rewards, not sure if same pull with personal.? looking into Discover, but from some post other members they pull EX/EQ,

Re: What CC's pull from TU only?

Gmood1 — Mon, 13 Jul 2015 10:07:08 GMT

Yup I think Discover pulled just EX for me.

Re: What CC's pull from TU only?

baller4life — Mon, 13 Jul 2015 10:57:58 GMT

@Gmood1 wrote:
My TU report just doesn't get much love from creditors. Whether it's reporting a pull or an account. My EX on the other hand has been hammered!
7 inq's on TU now and 11 on EX.

I went a head and apped for the Paypal extra Mastercard. They did in fact pull just TU. Ended up with a $1500 limit. I was hoping for more but it will do for now.
10 for 10 on the Apps. Only got it so I could have my baby daughter's picture imposed on the card. lol
The lower limit may get it SD in the end. Thanks for all the great info guys.

Congrats on your new card. Call Synchrony backdoor and request cli. Ask for $35k!

Re: What CC's pull from TU only?

Gmood1 — Mon, 13 Jul 2015 12:34:10 GMT

Thx Baller! Can I do that now? Ask for a higher limit?