topic Re: Inquiry Question in Credit Cards

Inquiry Question

Anonymous — Wed, 16 Jul 2008 20:43:27 GMT

Hi all.

I app'd for a Kay's card, a Juniper card and an Orchard in the middle of June. I pulled my EQ report just a few minutes ago and I see that hard pulls were initiated by both Sterling and BarclaysBK on the day that I app'd. Are these parent companies of Juniper or Orchard? Just want to make sure that those two hard pulls are associated with the app's I made.

Re: Inquiry Question

Anonymous — Wed, 16 Jul 2008 20:47:25 GMT

Lucid08 wrote:
Hi all.

I app'd for a Kay's card, a Juniper card and an Orchard in the middle of June. I pulled my EQ report just a few minutes ago and I see that hard pulls were initiated by both Sterling and BarclaysBK on the day that I app'd. Are these parent companies of Juniper or Orchard? Just want to make sure that those two hard pulls are associated with the app's I made.

Sterling is Kay.

Barclay's is Juniper.

Are you saying that Juniper pulled EQ? Very strange. They normally pull TU exclusively.

Edit to add: Just so you're not surprised when you see it, the Orchard inquiry will likely show up on EX as HSBC NV.

Message Edited by cheddar on 07-16-2008 01:47 PM

Re: Inquiry Question

Math_Rocks — Wed, 16 Jul 2008 20:46:31 GMT

Barclay's owns Juniper. Don't know about Kay's.

Re: Inquiry Question

Anonymous — Wed, 16 Jul 2008 20:55:50 GMT

@Anonymous wrote:

@Anonymous wrote:
Hi all.

I app'd for a Kay's card, a Juniper card and an Orchard in the middle of June. I pulled my EQ report just a few minutes ago and I see that hard pulls were initiated by both Sterling and BarclaysBK on the day that I app'd. Are these parent companies of Juniper or Orchard? Just want to make sure that those two hard pulls are associated with the app's I made.

Sterling is Kay.

Barclay's is Juniper.

Are you saying that Juniper pulled EQ? Very strange. They normally pull TU exclusively.

Edit to add: Just so you're not surprised when you see it, the Orchard inquiry will likely show up on EX as HSBC NV.

Message Edited by cheddar on 07-16-2008 01:47 PM

Cheddar,

Yeah, those are the only two inquiries listed on my Equifax report as of about 30 mins ago when I pulled EQ to check my score. Both were pulled on the same day in June. I was approved for the Orchard card but denied for the Kay's and Juniper cards. So yeah, if BarclaysBK is Juniper, it's on my EQ report.

Maybe they did so due to my proximity to Atlanta, possibly?

Re: Inquiry Question

Anonymous — Wed, 16 Jul 2008 23:30:15 GMT

They pulled TU on both DW and I here in Texas.

Re: Inquiry Question

haulingthescoreup — Sun, 20 Jul 2008 14:42:44 GMT

@Anonymous wrote:
Hi all.

I app'd for a Kay's card, a Juniper card and an Orchard in the middle of June. I pulled my EQ report just a few minutes ago and I see that hard pulls were initiated by both Sterling and BarclaysBK on the day that I app'd. Are these parent companies of Juniper or Orchard? Just want to make sure that those two hard pulls are associated with the app's I made.

Kay's is Sterling.
Juniper is Barclays.
Orchard is HSBC.

And you're sure that the second pull was Barclays/Juniper? That's really interesting! As cheddar said, that's just about unheard of for them to pull EQ. (This is why we're all so startled, LOL.) Maybe they've finally gotten sick of TU, too.

HSBC pulled EQ on me for the Best Buy store card.
Barclays pulled TU on me for the Barnes and Noble MC.