topic Re: Does anybody pull TU anymore??? in Credit Cards

Does anybody pull TU anymore???

Anonymous — Wed, 29 Apr 2009 22:55:01 GMT

I am in GA and looking for a credit card or loan for debt consolidation. My TU scores are a lot better than EQ so I would love to find someone who pulls TU only. Anybody?? Thanks!

Re: Does anybody pull TU anymore???

Anonymous — Wed, 29 Apr 2009 23:05:39 GMT

Can't tell you about GA, but I'm in AZ and the following pulled TU for me.

State Farm

National City

UMB

Gemb

Discover

Re: Does anybody pull TU anymore???

Anonymous — Wed, 29 Apr 2009 23:07:30 GMT

I would recommend using www.whogavemecredit.com and enter your information into the database to get a general idea.

Re: Does anybody pull TU anymore???

Anonymous — Thu, 30 Apr 2009 01:50:23 GMT

Juniper/Barclays pretty much always pulls TU. Discover seems to alternate..they could pull any of the 3.

Re: Does anybody pull TU anymore???

Anonymous — Thu, 30 Apr 2009 02:15:48 GMT

This is a great site. I wish I had known before I applyed at a bunch of places.

Re: Does anybody pull TU anymore???

Itsmeagain — Thu, 30 Apr 2009 08:31:16 GMT

I also live in GA and Discover pulls TU only. Be advised though, they do a hard pull for CLI's also.

Re: Does anybody pull TU anymore???

score_building — Thu, 30 Apr 2009 09:12:32 GMT

Itsmeagain wrote:
I also live in GA and Discover pulls TU only. Be advised though, they do a hard pull for CLI's also.

unlike Chase this is reportedly not always the case. posts indicate soft increases can be granted. cli requests are apparently eligible for consideration in 6 months intervals.

it seems discover hard inq for cli has come into play mostly if you request more than they're willing to give w/o it, unless policy has recently changed. they pulled TU for me in NY.

Message Edited by score_building on 04-30-2009 02:12 AM

Re: Does anybody pull TU anymore???

Itsmeagain — Thu, 30 Apr 2009 09:09:24 GMT

What would they consider a 'modest' increase? 5%, 10%, etc.? They also will only consider a CLI a min. of 6 mo. after your last CLI.

Guess I'm not very modest . . . .

Message Edited by Itsmeagain on 04-30-2009 05:09 AM

Re: Does anybody pull TU anymore???

score_building — Thu, 30 Apr 2009 10:12:48 GMT

i remember seeing some numbers being recommended, i think it was something like up to 60% that it has been suggested is less likely to trigger a HP but i can't remember exactly the figure or if the theory is now applicable.

i know that some have posted that they've aborted their automated telephonic request if transferred to a csr., under the idea that their request could be heading for a HP. not everyone seems to concur that it is always an HP, even when tranferred to a csr. perhaps a caller still has a chance to retract/revise the amt. if they ask b4 the csr places the request..?

Message Edited by score_building on 04-30-2009 03:12 AM

Re: Does anybody pull TU anymore???

Itsmeagain — Thu, 30 Apr 2009 09:29:47 GMT

@score_building wrote:
i remember seeing some numbers being recommended, i think it was something like up to 60% that it has been suggested is less likely to trigger a HP but i can't remember exactly the figure or if the theory is now applicable.

i know that some have posted that they abort their automated telephonic request if they are transferred to a csr., under the idea that their request could be heading for a HP but not all seem to concur that it is always an HP, even when tranferred to a csr... maybe one still has a chance to retract/revise the request b4 they put it through if you ask?

Good to know. Thanks, I'll remember that. Have to avoid those hard pulls for next 11 mo. 1 day . . . <g>

Re: Does anybody pull TU anymore???

Anonymous — Thu, 30 Apr 2009 12:59:27 GMT

Wells Fargo typically pulls TU. Discover seems to pick based on location.

As for Discover CLIs, if you are eligible (I have no idea what the criteria is) you can get a CLI with a soft pull. However, if you aren't eligible, you can contact their credit department, and then it will cost you a hard.