topic Re: Check for hard pulls? in Credit Cards

Check for hard pulls?

Anonymous — Mon, 14 Mar 2016 23:47:36 GMT

Hi, relatively new here. I am a member and not sure how to check for hard pulls? Is there a way w/o waiting to get an alert in the app? Thanks in advance.

Re: Check for hard pulls?

CreditCuriosity — Mon, 14 Mar 2016 23:49:40 GMT

@Anonymous wrote:
Hi, relatively new here. I am a member and not sure how to check for hard pulls? Is there a way w/o waiting to get an alert in the app? Thanks in advance.

Use creditkarma for EQ/TU once a week and credit.com for Experian.. CK is once per week you can see and credit dot com is once per month. Free way to check your inquiries, don't trust really anything else on them though. Or can always pay for all 3 reports here for 60$

Re: Check for hard pulls?

ksantangelo23 — Tue, 15 Mar 2016 01:31:26 GMT

All the free site are generally great for basic monitoring (can't complain about anything when it's free!)

But my new favoriate free site is Wallethub.com, as it has daily TU Vantage monitoring.

Re: Check for hard pulls?

Anonymous — Tue, 15 Mar 2016 01:33:03 GMT

Thank you both! Separate question---why do so many credit card companies use Experian?? I have 1 pull on Equifax and Transunion and all of the rest on Experian! Very frustrating.

Re: Check for hard pulls?

ksantangelo23 — Tue, 15 Mar 2016 03:43:50 GMT

It's generally dependant on your region, but no one can say for sure which report any lender will pull. But there are some predictable lenders, like Discover and Barclays are safe to say that they will pull TU, AMEX Experian, Capital One all three, US Bank TU. That's all I can think of off the top of my head.

Re: Check for hard pulls?

Anonymous — Tue, 15 Mar 2016 01:43:30 GMT

well discover is regional as they pulled equifax for me but SP TU for CLIs. and i was quite sure you're not supposed to condone the freezing of reports to force lenders to use another CRA?

Re: Check for hard pulls?

Loquat — Tue, 15 Mar 2016 03:22:11 GMT

@Anonymous wrote:
Thank you both! Separate question---why do so many credit card companies use Experian?? I have 1 pull on Equifax and Transunion and all of the rest on Experian! Very frustrating.

I'm in the Midwest and I have the opposite issue. Seems like this region is TU happy and EQ follows closely behind. Other than CapOne, I've yet to have any lender pull EX which usually is my better score.

Re: Check for hard pulls?

Anonymous — Tue, 15 Mar 2016 03:26:43 GMT

the most common for me is this order: equifax, experian then transunion.

Re: Check for hard pulls?

CreditCuriosity — Tue, 15 Mar 2016 03:28:45 GMT

@Anonymous wrote:
the most common for me is this order: equifax, experian then transunion.

ditto

Re: Check for hard pulls?

myjourney — Tue, 15 Mar 2016 03:32:41 GMT

When I lived in Chicago TU was king since their HQ is based there

In Florida EX followed by EQ

I seriously need a TU puller ....Just because

Re: Check for hard pulls?

Anonymous — Tue, 15 Mar 2016 03:33:38 GMT

lol my TU has almost half of each EQ and EX

Re: Check for hard pulls?

Anonymous — Tue, 15 Mar 2016 03:39:21 GMT

wallethub is free TU everyday. I like that one for my TU. Its FAKO score tho but keeps me up to date. new accounts, inq etc

Re: Check for hard pulls?

takeshi74 — Tue, 15 Mar 2016 13:45:50 GMT

@Anonymous wrote:
Hi, relatively new here. I am a member and not sure how to check for hard pulls? Is there a way w/o waiting to get an alert in the app? Thanks in advance.

Are you referring to myFICO monitoring? You'll only get updates when there's a trigger. A hard pull is a trigger. You also have access to your reports to view hard pulls that's only every quarter. Make sure you understand the products you're purchasing and using. If you want to routinely pull report data then you need to use the right tool for the job.

@Anonymous wrote:
Thank you both! Separate question---why do so many credit card companies use Experian?? I have 1 pull on Equifax and Transunion and all of the rest on Experian! Very frustrating.

Don't assume broad trends based soley on your experience. Most of my pulls are on EQ.