topic Re: TU pullers in Credit Cards

TU pullers

Anonymous — Thu, 30 Aug 2012 16:26:43 GMT

Hey guys i was wondering who pulls primarily TU i live in southern California and my TU has the least amount of inquiries i think like 6 now compared to 19 on EX who EVERYBODY seems to pull around here. My reports are clean no baddies at all 4 cards 1 auto loan i think im hovering around 675 for all of them

Re: TU pullers

Revelate — Thu, 30 Aug 2012 16:33:00 GMT

@Anonymous wrote:
Hey guys i was wondering who pulls primarily TU i live in southern California and my TU has the least amount of inquiries i think like 6 now compared to 19 on EX who EVERYBODY seems to pull around here. My reports are clean no baddies at all 4 cards 1 auto loan i think im hovering around 675 for all of them

Most GE backed cards, Barclay's. Maybe some CU's that I don't know offhand.

I'm in the same boat as you with everyone wanting my EX report unless I go out of my way to get inquiries somewhere else (like opening up accounts at EQ pulling CU's but I digress); interesting enough though, BOFA actually appears to use TU for all their CLI's even with me and my having lived in S. Cali for 7.5 years, so I'm simply using my relationship with them to hit my TU report which I don't care much about other than for mortage or possibly car loan purposes otherwise.

Re: TU pullers

Jlu — Thu, 30 Aug 2012 17:00:27 GMT

Discover likes TU. As was mentioned GECRB/GEMB and Barclays are TU only generally.

Re: TU pullers

djrez4 — Thu, 30 Aug 2012 17:01:41 GMT

@Jlu wrote:
Discover likes TU. As was mentioned GECRB/GEMB and Barclays are TU only generally.

Discover pulls EQ for opening, TU for CLIs.

Re: TU pullers

Anonymous — Thu, 30 Aug 2012 17:04:58 GMT

I think i may apply for the BarclayRewards. 5000 point bonus after first purchase and 2 points for 1$ spent on gas groceries and utilities seems pretty decent. any of you have the Barclay Rewards card?

Re: TU pullers

Jlu — Thu, 30 Aug 2012 17:17:43 GMT

djrez4, not always true. I was approved for Discover More last week and this showed up on my CK:

As you may know, CK works off of your TU report.

I even asked the underwriter at Discover and he said generally it is TU that they pull.

Re: TU pullers

CreditPacMan — Thu, 30 Aug 2012 17:27:39 GMT

Discover seems to always pull TU. I live in WA.

Re: TU pullers

jsickz32 — Thu, 30 Aug 2012 17:31:02 GMT

Discover pulled EQ for me in MA.

Re: TU pullers

Jlu — Thu, 30 Aug 2012 17:37:54 GMT

^ I live south of Boston in MA so that is really strange.

Re: TU pullers

Anonymous — Thu, 30 Aug 2012 18:05:42 GMT

For me discover pulled both from EQ & TU.

I understood most CUs prefer EQ and GE is TU friendly.

Amex surprised me with TU pull when I was expecting a EX pull...I pulled data from whogavemecredit.com and did research a bit to find Amex will go for EX but only to be proven wrong with a TU pull. Amex made 3 inquiries (one in each) to deny my app eventually :-(

Re: TU pullers

Revelate — Thu, 30 Aug 2012 19:48:27 GMT

@Anonymous wrote:
For me discover pulled both from EQ & TU.
I understood most CUs prefer EQ and GE is TU friendly.
Amex surprised me with TU pull when I was expecting a EX pull...I pulled data from whogavemecredit.com and did research a bit to find Amex will go for EX but only to be proven wrong with a TU pull. Amex made 3 inquiries (one in each) to deny my app eventually :-(

There isn't much rhyme or reason sometimes to who a lender pulls: it's about the relationship the individual CRA's have cultivated with them since the big 3 are competing with each other for business.

The larger lenders have different categories too; for example, Amex will traditionally, almost exclusively pull EX for their charge cards; however, in cases of near or marginal applications on their revolvers, they will pull multiple including possibly all three as you found out.

Similarly there's other qualifications: if you're applying for a second product with a major lender, if they're already softing one report, there's a non-zero chance they'll pull a second report just because they can and it will give them better resolution for you as an individual borrower.

Others are one and only, pretty much all the time; not certain why so many CU's pull EQ except to state that many of the larger ones which we're familiar with on this forum are traditionally on the East Coast, which is EQ's old regional stomping grounds (old school: EQ east coast, TU middle America, EX west coast) though this has broken down in the modern information age.

End of the day, do what research you can, but expect the worst and be pleasantly surprised when things go well. I suspect that'd alleviate a lot of the issues we see on this forum hehe.

Re: TU pullers

Anonymous — Thu, 30 Aug 2012 20:21:58 GMT

Hi Revelate, Fair enough. Is there any chance with Amex to remove the past (denied) hard inquiries once we establish an account with them? I heard this from someone but it might be false. I just want to check it out...

Re: TU pullers

Anonymous — Thu, 30 Aug 2012 22:16:07 GMT

@Anonymous wrote:
Hi Revelate, Fair enough. Is there any chance with Amex to remove the past (denied) hard inquiries once we establish an account with them? I heard this from someone but it might be false. I just want to check it out...

I highly doubt it. You could try and get past HPs removed by Experian as duplicates if there were close together.

Re: TU pullers

Anonymous — Thu, 30 Aug 2012 22:16:27 GMT

@Revelate wrote:
@Anonymous wrote:
For me discover pulled both from EQ & TU.
I understood most CUs prefer EQ and GE is TU friendly.
Amex surprised me with TU pull when I was expecting a EX pull...I pulled data from whogavemecredit.com and did research a bit to find Amex will go for EX but only to be proven wrong with a TU pull. Amex made 3 inquiries (one in each) to deny my app eventually :-(
There isn't much rhyme or reason sometimes to who a lender pulls: it's about the relationship the individual CRA's have cultivated with them since the big 3 are competing with each other for business.

The larger lenders have different categories too; for example, Amex will traditionally, almost exclusively pull EX for their charge cards; however, in cases of near or marginal applications on their revolvers, they will pull multiple including possibly all three as you found out.

Similarly there's other qualifications: if you're applying for a second product with a major lender, if they're already softing one report, there's a non-zero chance they'll pull a second report just because they can and it will give them better resolution for you as an individual borrower.

Others are one and only, pretty much all the time; not certain why so many CU's pull EQ except to state that many of the larger ones which we're familiar with on this forum are traditionally on the East Coast, which is EQ's old regional stomping grounds (old school: EQ east coast, TU middle America, EX west coast) though this has broken down in the modern information age.

End of the day, do what research you can, but expect the worst and be pleasantly surprised when things go well. I suspect that'd alleviate a lot of the issues we see on this forum hehe.