topic Re: Credit Card companys that pull two CRAs in Credit Cards

Credit Card companys that pull two CRAs

Anonymous — Tue, 14 Dec 2010 21:00:19 GMT

Question. When you app for a card and the company pulls a report from 2 CRAs, do they usually go with the better looking credit report? Say the company pulls EX and EQ and EX has a paid down balance that hasnt been updated on EQ. Would the company realize this and go with EX?

Re: Credit Card companys that pull two CRAs

lovely222 — Tue, 14 Dec 2010 21:21:26 GMT

I have never had a CCC pull 2 CRs. What card were you applying for and with whom?

Re: Credit Card companys that pull two CRAs

Anonymous — Tue, 14 Dec 2010 21:40:03 GMT

Seems AMEX does. I applied to them about 1.5 years ago, pulled both my EX and EQ. I was denied

Re: Credit Card companys that pull two CRAs

Anonymous — Tue, 14 Dec 2010 22:00:52 GMT

capital one pulls all three when u are applying for a prime product from them!!

Re: Credit Card companys that pull two CRAs

lovely222 — Tue, 14 Dec 2010 22:06:09 GMT

Ouch. I will not be applying for ANYTHING from CapOne... EVER. They are my least favorite CCC.

Re: Credit Card companys that pull two CRAs

trumpet-205 — Tue, 14 Dec 2010 22:12:41 GMT

Actually, I heard Cap 1 also pulled Innovis as well. So that's 4 CRAs.

Re: Credit Card companys that pull two CRAs

llecs — Tue, 14 Dec 2010 22:21:21 GMT

I also had Amex pull two.. EX and I think TU, or maybe it was EQ. CapOne is a notorious 3-puller (or 4-)

Re: Credit Card companys that pull two CRAs

Anonymous — Tue, 14 Dec 2010 22:24:47 GMT

Anyone have any insight on my original question?

Re: Credit Card companys that pull two CRAs

haulingthescoreup — Tue, 14 Dec 2010 22:35:58 GMT

@Anonymous wrote:
Anyone have any insight on my original question?

Well, I don't think it happens all that often.

When American Express does this, it's because they're not satisfied with the EX report alone. Maybe you have a thin file (not many accounts), and they want to look at another to see if there's more stuff there, specifically negatives. One of the mods once had two pulled for either AmEx or Discover (can't remember which), because the address on the first report was wrong, and the lender wanted to confirm it with a second report. He was particularly irate because he'd been trying to get the first CRA to stop listing the wrong address.

Nearly all CCC's pull just one, with the exception of dear Cap One. So for those who pull a second one, as described above, they're mainly looking for confirmation that the first report was an accurate picture of the applicant's credit.

In other words, I don't think it's a case of mmm-bwah-ha-ha, let's find the worst report and go with it. But reading the minds of CCC's is just guessing, in the end, although entertaining.

Re: Credit Card companys that pull two CRAs

laz98 — Tue, 14 Dec 2010 23:33:10 GMT

state farm pulled 2 when i applied last year.

Re: Credit Card companys that pull two CRAs

Anonymous — Wed, 15 Dec 2010 01:10:44 GMT

Chase pulled two when I applied.

Re: Credit Card companys that pull two CRAs

haulingthescoreup — Wed, 15 Dec 2010 01:50:20 GMT

OK, OK, OK. But you both are newer to the fun world of credit, and maybe they wanted more than they saw on the first report? That's not the norm for Chase, although it might be for State Farm (can't remember the posts on that one.)

Re: Credit Card companys that pull two CRAs

Anonymous — Wed, 15 Dec 2010 03:16:38 GMT

@haulingthescoreup wrote:
OK, OK, OK. But you both are newer to the fun world of credit, and maybe they wanted more than they saw on the first report? That's not the norm for Chase, ...

Perhaps. My oldest account was six years old. My other was three years. I wouldn't call it new exactly, though. Perhaps they didn't like that I only had two accounts at the time and thus pulled a second report.

Re: Credit Card companys that pull two CRAs

laz98 — Wed, 15 Dec 2010 03:25:17 GMT

maybe! my reports are mostly the same. ironically, they pulled my best report first (TU), and then pulled EQ as a follow-up.

Re: Credit Card companys that pull two CRAs

Anonymous — Wed, 15 Dec 2010 15:55:56 GMT

CAP ONE pulls all three.

CCCU pulled EX hard and EQ soft.

Re: Credit Card companys that pull two CRAs

Anonymous — Wed, 15 Dec 2010 16:06:01 GMT

I think target pulled two reports when I applied and was denied

Re: Credit Card companys that pull two CRAs

fused — Wed, 15 Dec 2010 17:45:30 GMT

In the past, Amex pulled my EX and EQ reports, and Discover pulled my EX and TU reports. All of the other CCCs I have applied with only pulled from one CRA.