topic Re: Which CRA's do CHASE and AMEX use when applying for a credit card??? in Credit Cards

Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 18:26:12 GMT

Earlier this year, I needed a car loan through USAA and their HARD PULL was from Equifax (only). So, I am going to be taking the BIG SPLASH this September and apply for two credit cards - upgrades from my Capital One's.

After doing my homework (thanks guys for the help, btw), I am going to apply for: 1) a CHASE (at minimum, CHASE FREEDOM card; at maximum, CHASE SAPHIRE PREFERRED); 2) and, an AMEX (at minimum, TRUE EARNINGS CARD FROM COSTCO and AMEX; at maximum, BLUE CASH PREFERRED from AMEX).

I will be getting one of those two CHASE cards and one of those two AMEX.

1) Which CRA does CHASE do their HARD PULL from? Only one or all three?

2) Which CRA does AMEX do their HARD PULL from? Only one or all three?

I ask, b/c EQUIFAX has the most HARD PULLS on my report (5); and TRANSUNION is my lowest FICO (684) at a 42% UTI. All three FICO's will be higher next month (Septmeber) when I apply as I lower my UTI to 7%.

Thanks in advance, as always.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

xiownthisplacex — Sun, 26 Aug 2012 18:28:48 GMT

Both Chase and AMEX have pulled only from EX for me for all 5 of my cars between the two.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 18:45:26 GMT

Both those issuers randomy pick cra to pull from. Amex however is more reliably a ex puller but I have seen others being pulled for credit cards. If you Amex charge card, it will definitely be ex and if marginal, one other cra. Amex revolver is a bit more mixed. Chase on other hand is a crap shoot.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 18:30:12 GMT

Chase has pulled Equifax for me both times. Amex pulled all 3 for my charge card application a few years ago, but just Experian for my Blue this year. The tri-pull was certainly due to my short history (8 months) and my high utilization (50%+). Of course, this was just my experience and YMMV.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 18:30:38 GMT

That would be SWEET. Experian is my highest FICO(and most up-to-date, btw) CRA. Thanks

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 18:41:28 GMT

Both pulled EX for me. However, Amex was having issues getting through to Experian for my recent PRG app and wound up pulling TU - which resulted in 2 HP's.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

rtw — Sun, 26 Aug 2012 18:52:56 GMT

Amex pulled EX for me and Chase pulled TU.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

JonStur — Sun, 26 Aug 2012 19:01:56 GMT

Amex almost exclusively uses Ex. By the way, if your utilization is still around 42% and/or your FICO score is less than @700, it will likely be a denial for this particular Amex product. Just make sure to get the back door # and try a recon. Good Luck!!!

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

trumpet-205 — Sun, 26 Aug 2012 19:03:07 GMT

Chase is random, known to pull all 3 equally.

AMEX pulls EX first, and if your EX CR is borderline then HP EQ and TU in addition.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 19:04:46 GMT

Amex pulled EX and chase EQ.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

rtw — Sun, 26 Aug 2012 19:19:29 GMT

I agree with JonStur. I applied for the Amex BCP earlier this month and was denied. I only did it because I am already a card memeber and new it would be a soft pull. My EX Fico was 674 based on their letter and my utilization was about 35% at the time. Remember that their revolvers are harder to get than the charge cards.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Jake0215 — Sun, 26 Aug 2012 20:24:39 GMT

@trumpet-205 wrote:
Chase is random, known to pull all 3 equally.

AMEX pulls EX first, and if your EX CR is borderline then HP EQ and TU in addition.

this is an interesting conversation. Amex most defn usually pulls ex. However, the reports that chase is random or pulls equally I think is a bit of a mistake. Chase most defn pulls all three, depending on your home address. Since the 3 bureas tend to be region specific, where some smaller banks and such only report to certain CRAs, chase wants the most accurate picture from your region. For me, transunion is the dominate CRA, therefore chase has pulled them exclusively. And rightly so, I have 3 car loans from a small bank in my area that only reported to TU.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

trumpet-205 — Sun, 26 Aug 2012 20:27:14 GMT

Chase has pulled EQ and TU for me before. In California.

@jake0215 (interesting comment).........

Anonymous — Sun, 26 Aug 2012 20:41:37 GMT

I'm originally from PA. TransUnion is PA based. I have some older loans on my report ONLY on TU. And, my recent car loan through USAA (in Texas) didn't report to Transunion. I had to SPECIFICALLY request them to report to TU. And, I now live in Florida. WOuld explain why they pulled Equifax (GA based).

Why does AMEX exclusively pull Experian? Anyone here know? I will say that now monitoring my reports for a good year I notice Experian is usually updated on time regularly. TransUnion is the worse and Equifax in the middle.

And, just generally speaking, which FICO algorithm is the most stringent? I heard Equifax's is the hardest algorithm (generally) to increase? Any truth to that?

Re: @jake0215 (interesting comment).........

trumpet-205 — Sun, 26 Aug 2012 20:45:09 GMT

@Anonymous wrote:
I'm originally from PA. TransUnion is PA based. I have some older loans on my report ONLY on TU. And, my recent car loan through USAA (in Texas) didn't report to Transunion. I had to SPECIFICALLY request them to report to TU. And, I now live in Florida. WOuld explain why they pulled Equifax (GA based).

Why does AMEX exclusively pull Experian? Anyone here know? I will say that now monitoring my reports for a good year I notice Experian is usually updated on time regularly. TransUnion is the worse and Equifax in the middle.

And, just generally speaking, which FICO algorithm is the most stringent? I heard Equifax's is the hardest algorithm (generally) to increase? Any truth to that?

AMEX uses their in-house credit score, even though they give FICO score out.

Chase sometime use FICO, sometime use VantageScore.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Quips — Sun, 26 Aug 2012 20:54:19 GMT

@Anonymous wrote:
Earlier this year, I needed a car loan through USAA and their HARD PULL was from Equifax (only). So, I am going to be taking the BIG SPLASH this September and apply for two credit cards - upgrades from my Capital One's.

After doing my homework (thanks guys for the help, btw), I am going to apply for: 1) a CHASE (at minimum, CHASE FREEDOM card; at maximum, CHASE SAPHIRE PREFERRED); 2) and, an AMEX (at minimum, TRUE EARNINGS CARD FROM COSTCO and AMEX; at maximum, BLUE CASH PREFERRED from AMEX).

I will be getting one of those two CHASE cards and one of those two AMEX.

1) Which CRA does CHASE do their HARD PULL from? Only one or all three?
2) Which CRA does AMEX do their HARD PULL from? Only one or all three?

I ask, b/c EQUIFAX has the most HARD PULLS on my report (5); and TRANSUNION is my lowest FICO (684) at a 42% UTI. All three FICO's will be higher next month (Septmeber) when I apply as I lower my UTI to 7%.

Thanks in advance, as always.

AMex pulled EX for both my BCP and TE applications. Chase pulled EQ for my Mileage Plus Explorer.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

Anonymous — Sun, 26 Aug 2012 22:20:52 GMT

Amex pulled EX for all 3 of my Amex cards. Chase pulled EX then EQ (in that order).

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

CreditScholar — Mon, 27 Aug 2012 02:29:44 GMT

Chase pulled EQ for both my CSP and United cards. They haven't pulled anything else as of yet.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

emptypockets — Mon, 27 Aug 2012 03:55:04 GMT

AMEX pulled EX for me. Chase pulled TU for Freedom and CSP (1 pull for 2 cards, apps were 8 days apart). Just lucky To get 2 cards with one pull. I am in MI.

Re: Which CRA's do CHASE and AMEX use when applying for a credit card???

stevenngu92 — Mon, 27 Aug 2012 03:57:52 GMT

Amex and Chase both pulled EQ for me