topic Re: A few HP data points in Credit Cards

A few HP data points

Anonymous — Sat, 11 Apr 2015 17:22:08 GMT

Sorted out my HPs in the last three years. Had some observations and wanted to share.

Amex used to triple pull; has pulled EX only since late 2013
BoA pulls EX for new app, and TU for CLI
Barclays used to double pull TU+EX; now pulls TU exclusively
Cap1 triple pull is real, always (new app)
Chase used to double pull EX+EQ; now pulls EX exclusively
Citi likes double pull EX+EQ; sometimes pulls one of them (eg. my DC app)
Disocver always pulls TU for me
Elan/US Bank pulls either TU or EX, never EQ
SunTurst always pulls EQ exclusively

I wish someone develops a comprehensive database for everything about approval score and HP/SP involved in app, CLI, consolidation etc. where registered users can fill out a form and submit data. All the threads and hearsays are so much entropy.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 02:35:12 GMT

They have on CreditBoards.

Re: A few HP data points

Santi78342 — Sat, 11 Apr 2015 02:36:52 GMT

The credit pulls database is the closest you will come.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 03:13:32 GMT

Yep it's a nice tool. Unfortunately they don't accept my email so I (and probably a lot more folks) can't add any data points.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 03:52:33 GMT

I thought discover pulls EQ?

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 04:54:40 GMT

@Anonymous wrote:
They have on CreditBoards.

@Santi78342 wrote:
The credit pulls database is the closest you will come.

Yes I'm aware of that one but it's very crude with little data. Few people actually use it.

@Anonymous wrote:
I thought discover pulls EQ?

Discover pulls only TU in my experience; doesn't seem region-dependent.

Re: A few HP data points

DeadlyPersona — Sat, 11 Apr 2015 05:09:41 GMT

@Anonymous wrote:
Yep it's a nice tool. Unfortunately they don't accept my email so I (and probably a lot more folks) can't add any data points.

What do you mean by "they don't accept my email"? I've submitted plenty of approvals/denials in the creditpulls databse and it was never via email.

I click the "here" to submit your own entry link and then complete the information. Try that, you could probably add some valuable information to a lot of people.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 05:11:25 GMT

@DeadlyPersona wrote:
What do you mean by "they don't accept my email"? I've submitted plenty of approvals/denials in the creditpulls databse and it was never via email.

I mean I can't register with my email address. They seem to block Ymail (=Yahoo) addresses or something.

Re: A few HP data points

DeadlyPersona — Sat, 11 Apr 2015 05:13:19 GMT

Wow....too bad.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 05:17:33 GMT

@Anonymous wrote:
@Anonymous wrote:
They have on CreditBoards.

@Santi78342 wrote:
The credit pulls database is the closest you will come.
Yes I'm aware of that one but it's very crude with little data. Few people actually use it.
@Anonymous wrote:
I thought discover pulls EQ?
Discover pulls only TU in my experience; doesn't seem region-dependent.

Discover pulled EQ for me In Feb. And a quick check of the credit pull DB (and I think lots of people use it!): first four entries show the three different CRAs (EQ is there twice in the first four) all in the last few days

Re: A few HP data points

Imperfectfuture — Sat, 11 Apr 2015 06:24:56 GMT

@Anonymous wrote:
@Anonymous wrote:
They have on CreditBoards.

@Santi78342 wrote:
The credit pulls database is the closest you will come.
Yes I'm aware of that one but it's very crude with little data. Few people actually use it.
@Anonymous wrote:
I thought discover pulls EQ?
Discover pulls only TU in my experience; doesn't seem region-dependent.

I thought they only pulled eq, my area eq.

Re: A few HP data points

lg8302ch — Sat, 11 Apr 2015 06:30:42 GMT

@Anonymous wrote:
I thought discover pulls EQ?

At least they did for me

Re: A few HP data points

takeshi74 — Sat, 11 Apr 2015 13:26:54 GMT

Anecdotal evidence is interesting but not all that useful and that's why the Credit Pulls Database exists to aggregate such info which is more useful than any one person's experiences on their own. Attempting to analyze trends is only useful with larger sample sizes.

@Anonymous wrote:
Amex used to triple pull; has pulled EX only since late 2013

Whether or not a creditor performs multiple pulls has to do with your credit -- not the creditor.

@Anonymous wrote:
Yes I'm aware of that one but it's very crude with little data. Few people actually use it.

Plenty of people use it. Don't just assume that few use it because you don't.

@Anonymous wrote:
I wish someone develops a comprehensive database for everything about approval score and HP/SP involved in app, CLI, consolidation etc. where registered users can fill out a form and submit data.

Developing the DB isn't the problem. It's reliably and consistently collecting the data. Even with the data you suggest it would be of limited use versus what the CPD already offers. For one thing It's never just a matter of score.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 13:34:33 GMT

Chase most certainly pulls other bureaus besides EX and they still double pull. Why I appreciate your effort to provide info, this is why you can't post information as definitive because others will apply with expectations based on your post.

Re: A few HP data points

pa850 — Sat, 11 Apr 2015 13:43:31 GMT

This is an excellent report. I'm going to do it for my credit file as well. Thank you for sharing.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 17:01:58 GMT

@takeshi74 wrote:
Anecdotal evidence is interesting but not all that useful and that's why the Credit Pulls Database exists to aggregate such info which is more useful than any one person's experiences on their own. Attempting to analyze trends is only useful with larger sample sizes.

@Anonymous wrote:
Amex used to triple pull; has pulled EX only since late 2013
Whether or not a creditor performs multiple pulls has to do with your credit -- not the creditor.

@Anonymous wrote:
Yes I'm aware of that one but it's very crude with little data. Few people actually use it.
Plenty of people use it. Don't just assume that few use it because you don't.

@Anonymous wrote:
I wish someone develops a comprehensive database for everything about approval score and HP/SP involved in app, CLI, consolidation etc. where registered users can fill out a form and submit data.
Developing the DB isn't the problem. It's reliably and consistently collecting the data. Even with the data you suggest it would be of limited use versus what the CPD already offers. For one thing It's never just a matter of score.

Maybe you are right about amex. I used the database a few times looking up data, and it returned some, mostly outdated entries. The functionality is poor. Honestly it only gets used because there does not exist any decent alternative. For example. in the submission form there a mandatory field "Score Needed" which doesn't even make sense. If a user was denied, how is s/he supposed to know given the individual credit history what score would have got him/her approved? And people use the "Creditor" field for card name all the time, which can be freely entered instead of a selection. The database is rife with inaccuracies and misunderstandings IMHO.

@pa850 wrote:
This is an excellent report. I'm going to do it for my credit file as well. Thank you for sharing.

I'm happy to share my sheet if anyone wants it. It also counts down days/months, shows stats of my card list, and keeps a record of all the different scores.

Re: A few HP data points

Anonymous — Sat, 11 Apr 2015 17:19:08 GMT

Discover pulled EQ for me. CreditPulls database just seems like everything is several years old and so few recent in my region. That's why I think it seems like so few use it.

Re: A few HP data points

leoment — Sat, 11 Apr 2015 18:31:38 GMT

When I applied for my Chase Slate last year, Chase double pulled for me, and I had maybe 2 inquiries across all three bureaus total, 0 derogs, and average 750s on all reports. Since I was instantly approved at the best APR rate, I think they've simply switched to a double pull system for some of their cards (this was in NJ).

Re: A few HP data points

JSS3 — Sat, 11 Apr 2015 18:37:33 GMT

State: PA

Discover pulled EQ both times for Discover It AND Chrome

Chase pulled TU and EX for my Amazon AND Slate apps.

Citi only pulled EX for Dividend AND Thank You Preferred(both now Double Cash).