topic Re: Any way to ask for a different CRA? in Credit Cards

Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 00:26:54 GMT

So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 00:32:20 GMT

@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.

Thanks for asking this question as I have the same problem. They all pull from freaking experian and I am so sick of it. I have no inquiries on TU or EQ and the scores are good. I have wondered what it is about experian that makes them always pull that. So I will be keep up with this thread.

Re: Any way to ask for a different CRA?

Creditaddict — Sat, 06 Dec 2014 00:38:06 GMT

@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.

7 is not very many!

just pick a creditor that almost never pulls EX (GE/SYNC) Walmart, Sams, 76 Gas, Chevron, Paypal, Ebates, etc. etc. etc. only pull TU.

Discover doesn't pull EX that often.

Most Credit Unions.

Re: Any way to ask for a different CRA?

Chris679 — Sat, 06 Dec 2014 01:05:47 GMT

No you cannot and freezing them out will not necessarily work. They can simply not process the app if they can't pull the report they want. Might be time to slow down on the apps.

Re: Any way to ask for a different CRA?

Billybob_TX — Sat, 06 Dec 2014 01:08:41 GMT

Freeze it. No biggie. Sometimes they will pull another, or if they really need EX you can give them the PIN.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 03:27:00 GMT

@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.

Not so, but there are some who will disagree with me.

Re: Any way to ask for a different CRA?

mongstradamus — Sat, 06 Dec 2014 03:29:04 GMT

@Creditaddict wrote:
@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.
7 is not very many!

just pick a creditor that almost never pulls EX (GE/SYNC) Walmart, Sams, 76 Gas, Chevron, Paypal, Ebates, etc. etc. etc. only pull TU.
Discover doesn't pull EX that often.
Most Credit Unions.

all barclays cards are TU i am pretty sure. Yeah all the big guys seem to pull EX, amex,chase,citi and BOA. My poor ex credit report has so many HP:-(

Re: Any way to ask for a different CRA?

TheGardner — Sat, 06 Dec 2014 13:04:08 GMT

If EX is not reporting correctly why would it be unethical to freeze it until it is corrected?

Freeze the report if the issuer requires EX and will not pull another CB you can give a pin or unfreeze at that time.

CB make money off your profile. If they refuse to correct inaccuracies why allow them to continue to profit from you?

Re: Any way to ask for a different CRA?

chalupaman — Sat, 06 Dec 2014 13:08:41 GMT

@Anonymous wrote:
@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.
Not so, but there are some who will disagree with me.

I'm with you Nixon but I won't go any further than that here.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 14:16:38 GMT

@TheGardner wrote:
If EX is not reporting correctly why would it be unethical to freeze it until it is corrected?

Freeze the report if the issuer requires EX and will not pull another CB you can give a pin or unfreeze at that time.

CB make money off your profile. If they refuse to correct inaccuracies why allow them to continue to profit from you?

That's not that "borderline unethical" case. More, like in the case of the OP, there is nothing factually wrong with the CR, it's just that there are "too many" inquiries and you want to hide your recent search for credit from the issuer you are now apping.

Re the mods: this is not to be encouraged here. I put this, along with some other things, as more T&Cs for using this forum, rather than any judgement about morality: the owners decide the rules for their own business purposes.

Re: Any way to ask for a different CRA?

TheGardner — Sat, 06 Dec 2014 14:33:42 GMT

@Anonymous wrote:
@TheGardner wrote:
If EX is not reporting correctly why would it be unethical to freeze it until it is corrected?

Freeze the report if the issuer requires EX and will not pull another CB you can give a pin or unfreeze at that time.

CB make money off your profile. If they refuse to correct inaccuracies why allow them to continue to profit from you?
That's not that "borderline unethical" case. More, like in the case of the OP, there is nothing factually wrong with the CR, it's just that there are "too many" inquiries and you want to hide your recent search for credit from the issuer you are now apping.

Re the mods: this is not to be encouraged here. I put this, along with some other things, as more T&Cs for using this forum, rather than any judgement about morality: the owners decide the rules for their own business purposes.

I was referring to OP stating he wanted a more accurate view of his report even suggesting being double pulled EX + another CB. To me I understood that as OPs report wasn't accurate as he wasn't just trying to hide the report but use another report for information as a protest to the inaccurate one. (Example: this is saying 30days late other reports don't on same account etc.)

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 14:36:42 GMT

@TheGardner wrote:
@Anonymous wrote:
@TheGardner wrote:
If EX is not reporting correctly why would it be unethical to freeze it until it is corrected?

Freeze the report if the issuer requires EX and will not pull another CB you can give a pin or unfreeze at that time.

CB make money off your profile. If they refuse to correct inaccuracies why allow them to continue to profit from you?
That's not that "borderline unethical" case. More, like in the case of the OP, there is nothing factually wrong with the CR, it's just that there are "too many" inquiries and you want to hide your recent search for credit from the issuer you are now apping.

Re the mods: this is not to be encouraged here. I put this, along with some other things, as more T&Cs for using this forum, rather than any judgement about morality: the owners decide the rules for their own business purposes.
I was referring to OP stating he wanted a more accurate view of his report even suggesting being double pulled EX + another CB. To me I understood that as OPs report wasn't accurate as he wasn't just trying to hide the report but use another report for information as a protest to the inaccurate one. (Example: this is saying 30days late other reports don't on same account etc.)

Maybe, but the post starts off talking about the large numbers of INQs on EX.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 15:27:49 GMT

The EX report is accurate, but I would say not representative. When a lender pulls a report they assume that it is representative of your overall credit situation. In this case I would argue it is not. It is accurate though, which is why I think freezing would be kind of unethical.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 15:48:34 GMT

@Anonymous wrote:
The EX report is accurate, but I would say not representative. When a lender pulls a report they assume that it is representative of your overall credit situation. In this case I would argue it is not. It is accurate though, which is why I think freezing would be kind of unethical.

Just curious, why do you say it's not 'representative'?

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 15:52:14 GMT

Well because if you look at only my EX report you think I am applying for credit like crazy. But I'm not, it's just that all the inquiries are sitting on a single report.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 16:03:29 GMT

@Anonymous wrote:
Well because if you look at only my EX report you think I am applying for credit like crazy. But I'm not, it's just that all the inquiries are sitting on a single report.

I think we all face that because of how often EX is pulled. And if anyone has a lot of inquiries on EX it does at least mean that you have applied as often as the number of inquiries. In my case I have a lot more on EQ because that's what NFCU pulled for membership, two cc applications and LOC application but I still have 6 on EX.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 16:25:46 GMT

@Creditaddict wrote:
@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.
7 is not very many!

just pick a creditor that almost never pulls EX (GE/SYNC) Walmart, Sams, 76 Gas, Chevron, Paypal, Ebates, etc. etc. etc. only pull TU.
Discover doesn't pull EX that often.
Most Credit Unions.

Those are all true, but generally I only apply for a card if there is a strong reason for me to get it: either an amzing anniversary bonus that compensates for the annual fee (hello US Bank Carlson), a very high earning potential from regular spending (Freedom etc) or an insane sign up bonus preferably with a waived AF (so I can try the card for free get the sign up bonus and then consider whether it is worth keeping it or not). Cards with really nice rewards/benefits seem to almost always be from Citi, Chase or AMEX, all of whom pull EX here.

Re: Any way to ask for a different CRA?

Anonymous — Sat, 06 Dec 2014 16:27:55 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
So i am getting really annoyed at the fact that here everyone pulls EX. So i have 1 inq on EQ, 1 on TU and like 7 on EX. Asides from AMEX, can you ask other creditors to pull a different CRA perhaps in addition to the one they already pulled?

I know you can force them to do this by freezing a CRA but that seems extreme and kind of borderline unethical. I am talking about having them do an additional pull so they don't get an inaccurate picture of your credit situation.
7 is not very many!

just pick a creditor that almost never pulls EX (GE/SYNC) Walmart, Sams, 76 Gas, Chevron, Paypal, Ebates, etc. etc. etc. only pull TU.
Discover doesn't pull EX that often.
Most Credit Unions.
Those are all true, but generally I only apply for a card if there is a strong reason for me to get it: either an amzing anniversary bonus that compensates for the annual fee (hello US Bank Carlson), a very high earning potential from regular spending (Freedom etc) or an insane sign up bonus preferably with a waived AF (so I can try the card for free get the sign up bonus and then consider whether it is worth keeping it or not). Cards with really nice rewards/benefits seem to almost always be from Citi, Chase or AMEX, all of whom pull EX here.

I get your point. It can be a daunting challenge to pick and choose. We need them to remove the inquiries much quicker :-)

Re: Any way to ask for a different CRA?

TheGardner — Sun, 07 Dec 2014 00:57:37 GMT

@Anonymous wrote:
The EX report is accurate, but I would say not representative. When a lender pulls a report they assume that it is representative of your overall credit situation. In this case I would argue it is not. It is accurate though, which is why I think freezing would be kind of unethical.

This is actually perfectly representative if all inq are on 1 report.. Anyone who pulls the other 2 will be getting the less representative picture.

This is overblown anyway, inq only count up to a certain number after that no additional fico effects are seen. New accounts will continue to ding though. If you have a good profile inq will not stop approvals (see Ron1).

Re: Any way to ask for a different CRA?

NRB525 — Sun, 07 Dec 2014 01:05:29 GMT

OP, can you update your siggy with which cards you have and perhaps their age? And for clarification (maybe I missed the comment) are you getting denials, and then is it because of the number of inquiries, or you're just concerned about the number in general?