topic Re: Freedom CLI question... in Credit Cards

Freedom CLI question...

BootStraps — Fri, 25 Jul 2014 16:29:01 GMT

Hi folks.

I know that Chase pulled two bureaus when they initially approve a freedom card...

For those who have tried for CLI's on your Chase Card... Do they pull one bureau or two for the CLI?

Re: Freedom CLI question...

BootStraps — Fri, 25 Jul 2014 18:26:07 GMT

Bump?

Anyone know the answer?

Re: Freedom CLI question...

BootStraps — Sat, 26 Jul 2014 17:26:00 GMT

bump again...

Does anyone know if Chase pulls two cr bureaus for the CLI or do they pull just one?

Re: Freedom CLI question...

CreditMagic7 — Sat, 26 Jul 2014 17:37:09 GMT

I'll *BUMP again on your behalf FWIW

Have you not found any results at all from the forum's SEARCH on this concern?

Re: Freedom CLI question...

daybreakgonesXe — Sat, 26 Jul 2014 17:38:09 GMT

@BootStraps wrote:
bump again...

Does anyone know if Chase pulls two cr bureaus for the CLI or do they pull just one?

I can't recall coming across any threads that indicated Chase did two pulls for a CLI.

However, YMMV

Re: Freedom CLI question...

BootStraps — Mon, 28 Jul 2014 14:41:57 GMT

@CreditMagic7 wrote:
I'll *BUMP again on your behalf FWIW

Have you not found any results at all from the forum's SEARCH on this concern?

My searches have been unclear. It looks like it's probably one, but then I've seen people discussing chase pulling one or two for the initial application.

In my case they pulled two CR's on app earlier this year. I was wondering if I would face the same on a CLI, but it looks like I'll just have to hope not when the time comes.

Thanks anyway.

Re: Freedom CLI question...

BootStraps — Mon, 28 Jul 2014 14:42:16 GMT

@daybreakgonesXe wrote:
@BootStraps wrote:
bump again...

Does anyone know if Chase pulls two cr bureaus for the CLI or do they pull just one?
I can't recall coming across any threads that indicated Chase did two pulls for a CLI.

However, YMMV

Thanks

Re: Freedom CLI question...

JSS3 — Mon, 28 Jul 2014 15:20:01 GMT

I *believe* crediters(other than Cap 1) pull more than one bureau when you're borderline. They're not sure about lending you credit due to limited history or other negatives. Chase pulled two bureaus for both my Chase Amazon and Slate approval and almost eight months later, they pulled two again for a requested CLI. By then, I had opened multiple cards and had 3s card that either had over 50% utilzation or maxed out. On top of having a short credit history, so you can see why they'd be reluctant and needed to pull two.

Re: Freedom CLI question...

Closingracer99 — Mon, 28 Jul 2014 15:24:01 GMT

@JSS3 wrote:
I *believe* crediters(other than Cap 1) pull more than one bureau when you're borderline. They're not sure about lending you credit due to limited history or other negatives. Chase pulled two bureaus for both my Chase Amazon and Slate approval and almost eight months later, they pulled two again for a requested CLI. By then, I had opened multiple cards and had 3s card that either had over 50% utilzation or maxed out. On top of having a short credit history, so you can see why they'd be reluctant and needed to pull two.

Chase Does it only if your Borderline approval .... For CLI I don't think any cards or if so not many do more then 1 HP for a CLI. I know thta Chase and Discover does hard pulls though with Discover it is possible for a SP. Also Amex and Capital one ( At least online through their website) is a SP

Re: Freedom CLI question...

BootStraps — Mon, 28 Jul 2014 15:55:06 GMT

Thanks everyone. This definitely gives me a better picture.

Re: Freedom CLI question...

Anonymous — Mon, 28 Jul 2014 19:04:56 GMT

When my step dad tried to get an increase on his amazon chase card (only $500, he was denied) they pulled equifax and gave his card member risk score on the denial letter around 670

Re: Freedom CLI question...

CelticLady — Mon, 28 Jul 2014 19:48:03 GMT

When I initially applied they pulled both EX and EQ and I received the best interest rate and did not get the letter they send if you don't get the best terms so I wasn't boarderline. When I requested a CLI at the beginning of last year they also pulled both EX and EQ, again, I was not boarderline for the CLI and my credit situation had improved even more by then with less util. YMMV.