topic Re: Credit Pulls!!! in Credit Cards

Credit Pulls!!!

kobe2012 — Thu, 05 Jul 2012 02:14:41 GMT

Just wanted to share credit lender pulls ... in CA

TRANSUNION

-- capital one (pulls all 3)

-- walmart (gecrb)

-- chevron (gecrb)

-- chase (pulls TU and EX)

-- barclay apple

-- daniel's jewelers

EQUIFAX

-- discover

-- nordstrom visa

-- kay jewelers

-- best buy

-- capital one

-- att wireless

EXPERIAN

-- amex

-- chase

-- citi

-- capital one

-- credit one

hope this will be helpful to anyone who's planning to apply!!!

Re: Credit Pulls!!!

DaveSignal — Thu, 05 Jul 2012 02:26:28 GMT

I like this thread!

EQ:

USAA

NFCU

PenFed

Household Bank

Target

Webbbank (bill me later)

Digital Federal CU

BB&T

Comcast

EX:

Bank of America

Citibank

AAFES

Saferent (some landlords use this)

TU:

Barclays

Bank of America

Re: Credit Pulls!!!

Anonymous — Thu, 05 Jul 2012 02:37:37 GMT

State of TX:

Chase CC

Cap1 CC

Cap1 Auto

BofA CC

Amex CC

Sprint

Cap1 CC

Cap1 Auto

Cap1 CC

Cap1 Auto

NMAC (Nissan Financing)

I suppose the lesson here is Cap1 always pulls all three? Kinda poopey if you ask me.

Re: Credit Pulls!!!

kobe2012 — Thu, 05 Jul 2012 02:52:25 GMT

NICE!!! hopes the list keeps going........

Re: Credit Pulls!!!

Brian_Trying_700 — Thu, 05 Jul 2012 02:58:17 GMT

Cap 1 is crap thats my 2cents. Keep up the great thread.

Re: Credit Pulls!!!

Anonymous — Thu, 05 Jul 2012 03:32:15 GMT

Good info. +1 on the Cap 1 comment.

Re: Credit Pulls!!!

tcbofade — Thu, 05 Jul 2012 18:14:04 GMT

All info current in 2012, (please don't ask...)

We live in Kansas.

Experian:

American Express

Credit One

Wfnnb-lane bryant

Wells Fargo

Bank of America

Equifax:

Wffnb-Fashion Bug

GE Care credit

Discover

Chase

Trans Union:

GE Walmart

CFNA (Firestone)

State Farm

Barclay

Nationwide

GE JCPenney

Citi

GE TJX

...and of course, Cap One pulls all three.

Good luck!

Re: Credit Pulls!!!

ceejx — Thu, 05 Jul 2012 18:24:30 GMT

In Socal:

AMEX: TU EX EQ

BOFA: EX

CITIBANK: EX

USAA: EQ

CAP1 : TU EX EQ (when credit was still poor in april)

Re: Credit Pulls!!!

Anonymous — Thu, 05 Jul 2012 19:05:09 GMT

Florida:

Cap one- Pulled EQ and EX

USAA- EQ

Best Buy-EQ

Kay Jewelers-EQ

Duval federal credit union-EQ

Re: Credit Pulls!!!

Swapmeet — Wed, 28 Nov 2012 16:35:13 GMT

I am noticing some people reporting GE doing hard pulls for some of their cards, and my usaa credit check monitoring says GE did a hard pull on TU recently. I was under the impression that GE did soft pulls only. Has something changed, or are the soft pulls only for CLI?

BTW:

EXP

Cash central, springleaf financial, drive financial (all on the same day for a personal loan that I did not end up accepting), USAA, First Progress.

EQ:

USAA, First premiere, USAA again.

TU:

Sallie Mae, GECRB, BofA.

Re: Credit Pulls!!!

daybreakgonesXe — Wed, 28 Nov 2012 16:42:20 GMT

Here's mine!

Transunion

- Orchard Bank/Household Bank (also pulled Equifax, now Capital One which will pull all 3)

- JCPenney (GECRB)

- Sallie Mae

Equifax

- Orchard Bank/Household Bank

Experian

- Chase (Freedom and Sapphire)

- Shell (Citi, for card and CLI)

- TD Bank (credit card)

Re: Credit Pulls!!!

navigatethis12 — Wed, 28 Nov 2012 17:02:11 GMT

@Swapmeet wrote:
I am noticing some people reporting GE doing hard pulls for some of their cards, and my usaa credit check monitoring says GE did a hard pull on TU recently. I was under the impression that GE did soft pulls only. Has something changed, or are the soft pulls only for CLI?

The cards are always hard to my knowledge; credit limit increases are soft pulls. People have reported that Care Credit is the only card that will always be a hard pull to increase the limit, maybe because it has a higher risk of default?

Maryland/Michigan

Experian:

FIA - initial

Chase

American Express

Macys American Express - initial

PNC

Transunion:

Barclays

Sallie Mae

GE Capital Retail Bank - initial, soft for credit limit increases

FIA - credit limit increases

Elan Financial Services

Chase - credit limit increases

Discover - credit limit increases (soft)

Equifax:

Chase - rare

Macys - initial, soft for credit limit increases

Macys American Express - credit limit increases (soft)

Discover - initial

I do wonder why some lenders differ while some do not. American Express almost exclusively looks at Experian, as does Macys for the American Express card. Barclays and GE Capital Retail Bank also almost exclusively use Transunion for their reports. Some lenders say it is totally random and they can not control it. Chase and Discover let you tell them which bureau you would like them to look at.

Re: Credit Pulls!!!

bigman023 — Wed, 28 Nov 2012 17:22:01 GMT

" Chase and Discover let you tell them which bureau you would like them to look at."

Looking for clarrification on this statement. Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?

Re: Credit Pulls!!!

navigatethis12 — Wed, 28 Nov 2012 17:42:57 GMT

@bigman023 wrote:
" Chase and Discover let you tell them which bureau you would like them to look at."

Looking for clarrification on this statement. Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?

Well with Discover, I had Equifax frozen because they kept putting bankruptcy and some such nonsense that was not mine. She said she could pull another bureau and out of curiosity I asked if they always did it and she said you can always request a bureau for them to look at.

With Chase, I asked them before the submitted the application if they could look at a certain bureau and they said okay. I have never had someone from Chase insist on a certain one. I only care because I don't want a lot of inquiries on one report.

Re: Credit Pulls!!!

EaglesFan2006 — Wed, 28 Nov 2012 17:46:17 GMT

Interesting thread! What does Citi pull for credit limit increases?

Interestingly, I've noticed periodic checks from Citi and Chase on all three reports. These are the "account maintenance" checks that I have no control over.

Re: Credit Pulls!!!

bmd0224 — Wed, 28 Nov 2012 18:33:37 GMT

North Carolina:

EX = AMEX

TU = BoA, Barclays, GE $ Bank

EQ = Chase, Cap One

Re: Credit Pulls!!!

kimmiller112 — Wed, 28 Nov 2012 21:27:12 GMT

SC:

Equifax: DCU, USAA, PenFed, USBank, Chase, Discover, GECRB/Lowes, Amex, BofA, CapOne

TransUnion: Barclays, Discover, BofA, GECRB/Paypal, Amex, Wells Fargo, CapOne

Experian: Amex, Citi, CapOne

Re: Credit Pulls!!!

Duncanrr — Thu, 29 Nov 2012 00:36:37 GMT

Louisiana:

TU: Walmart, NFCU (for membership), Cap1 (part of triple pull), Amex (borderline app part of triple pull)

EQ: NFCU (cc app), Cap1 and Amex (see above), Chase (double pull with EX), WF, Small business association

Ex: cap1, Amex and chase see above

My AMEX was one pull for zync but other 2 for delta, chase was pulled both for amazon but got freedom also without any other additional pull.

Re: Credit Pulls!!!

L-TWT — Thu, 29 Nov 2012 00:53:41 GMT

@kobe2012 wrote:
Just wanted to share credit lender pulls ... in CA

TRANSUNION
-- capital one (pulls all 3)
-- walmart (gecrb)
-- chevron (gecrb)
-- chase (pulls TU and EX)
-- barclay apple
-- daniel's jewelers

EQUIFAX
-- discover
-- nordstrom visa
-- kay jewelers
-- best buy
-- capital one
-- att wireless

EXPERIAN
-- amex
-- chase
-- citi
-- capital one
-- credit one

hope this will be helpful to anyone who's planning to apply!!!

Regarding Cap1, it appears that they do not ALWAYS pull all 3 CB's.....just opened my Cap1 acct & ck'd all 3 CB's after only TU was pulled

Re: Credit Pulls!!!

bluesnowman — Thu, 29 Nov 2012 02:56:49 GMT

Im In Southern California and here is what I have so far on my reports.

EQ: At&T

EX: Amex, Citi

TU: Discover

(When I applied for my BOFA at my local branch, and then checked my CR's, I found nothing for any BOFA inquiry.)