topic Re: Why does everyone seem to pull Experian? in General Credit Topics

Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 04:32:29 GMT

Just checked by credit reports.

Inquiries:

Experian = 34

Equifax = 17

TransUnion = 9

I finally realized why Discover approved me back in January... They pulled TU, where the previous failed attempts they tried pulling Equifax.

Re: Why does everyone seem to pull Experian?

CreditMagic7 — Thu, 04 Aug 2016 04:51:00 GMT

Maybe it also has to do with Geo-Locations?

Here in the Mid-South they load up my TU like there's no tomorrow but my EX sits practically vacant except whenever Capital One tags it from their Triple-Pulls or Citi adds their stamp to it along with EQ.

I don't deal with Amex at all unless it's thru another lender on their network so i don't have to bother with their EX pull happy ways myself.

Your EX is more like my own TU and i also beg to question why every lender (almost) feel that they have to pull on it instead of spreading things around a bit more LoL

Re: Why does everyone seem to pull Experian?

creditguy — Thu, 04 Aug 2016 05:37:52 GMT

I'm the opposite of you I've got a majority of TU pulls and EX being my least pulled and of course that's my highest score wouldn't you know. Blame it on certain lenders and the state your in. Google credit pull databases and they are pretty accurate when it comes to states and regions.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 06:02:08 GMT

How do you have 34 EX inquiries but only 4 credit cards it seems? Or do you have many more

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 06:05:05 GMT

I have the most inquiries on Experian as well but it still sits as my highest score across the 3. It has to do with geographic location and also lenders such as Amex, Blispay only pulling EX.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 06:17:50 GMT

@Anonymous wrote:
How do you have 34 EX inquiries but only 4 credit cards it seems? Or do you have many more

Student loans results in a HP once a year I think, and then I have a lot of denials, because I'm dumb lol.

There's also car insurance pulls, which I'm not sure are hard or soft... Because the report doesn't indicate which one it was. I've been shopping around for car insurance lately.

Re: Why does everyone seem to pull Experian?

creditguy — Thu, 04 Aug 2016 06:40:31 GMT

@Anonymous wrote:
@Anonymous wrote:
How do you have 34 EX inquiries but only 4 credit cards it seems? Or do you have many more
Student loans results in a HP once a year I think, and then I have a lot of denials, because I'm dumb lol.

There's also car insurance pulls, which I'm not sure are hard or soft... Because the report doesn't indicate which one it was. I've been shopping around for car insurance lately.

Your not the only one, everything is a HP these days it seems. I think even thinking about apping for a card will result in a HP in the future. It's not uncommon to rack up a bunch of inquiries when building or rebuilding, you weren't dumb just uninformed, I'm sure after spending some time here you know better now

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 07:06:45 GMT

Have you tried a CU? Most pull EQ and TU (except NASA)

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 07:12:22 GMT

My credit union pulls Experian. They were nice enough to give me a card anyways.

Re: Why does everyone seem to pull Experian?

Loquat — Thu, 04 Aug 2016 10:49:06 GMT

Interesting to see the different results around here. It seems like most folks that has responded thus far see the least amount of pulls on EX and that's the same or me here in the Midwest. My EX is my least pulled report. The only one that has tagged that report for me is CapOne and BoA. Where I'm at, and in my experience, EQ is my most pulled report. The only inquiries I get on my TU report are the occasional CapOne since they pull one from each, and Synchrony which has pulled TU exclusively on me.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 12:20:37 GMT

Interesting. Most of my inquiries are with TU.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 13:02:29 GMT

For me here in the South...my EQ gets used and abused. My EX and TU are pretty much not abused at all. 4 and 5 inquiries respectively

Re: Why does everyone seem to pull Experian?

pipeguy — Thu, 04 Aug 2016 13:07:52 GMT

Seems because it's my lowest score

EX refuses to remove an incorrect entry which I have disputed more than once - TU and EQ removed it the first time I disputed it, but EX won't short of me taking them to court.

TU 801, EQ 765, EX 735

Not worth my time to sue EX over this, but it is annoying.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 15:17:23 GMT

Here in the northeast my EX is pulled for a bunch too, BoA, Chase, US Bank, Citi

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 17:19:26 GMT

I'm in the Southeast and it's EQ all day and everyday. That thing has taken a beating...........

I'd love some EX pulls, it's my strongest and steadiest by far.

Re: Why does everyone seem to pull Experian?

MrsCHX — Thu, 04 Aug 2016 17:23:57 GMT

It MUST be your location. I wish EXP got pulled for me more often! For me it's Equifax. Always friggin Equifax.

Re: Why does everyone seem to pull Experian?

Anonymous — Thu, 04 Aug 2016 23:56:03 GMT

Most of my inquiries are with EX and I'm in NorCal. I have 38 but all except 3 are for auto loans. A car last year and one this year.

Re: Why does everyone seem to pull Experian?

Anonymous — Fri, 05 Aug 2016 12:37:13 GMT

I think location and simply the creditors that one seeks out can have a major impact on this perception that certain bureaus get pulled more than others.

My inquires are balanced across the bureaus +/- 1 so I don't have the personal impression that one gets pulled any more often than the others.

There are certain cards that are known to pull certain bureaus (like Amex with EX for example). If someone goes on a spree and happens to pick 3-4 cards that are all known to pull the same bureau, their impression will be that "everyone" pulls that bureau. The same person could have picked 3-4 completely different cards that happen to pull a different bureau, and as a result their opinion would be completely different. I think in general people tend to get a fairly nice mix, so it doesn't seem like such an issue. Perception is reality though, and everyone will have a different perception when it comes to this subject based on their personal experiences.

Re: Why does everyone seem to pull Experian?

takeshi74 — Fri, 05 Aug 2016 13:34:56 GMT

@Anonymous wrote:
Why does everyone seem to pull Experian?

You cannot assume trends based on insufficient sample data. In this case you can't determine that everyone pulls EX just by looking at your reports. For me, EQ is pulled most often. The CRA used by a given creditor can vary by region.

@Anonymous wrote:
There's also car insurance pulls, which I'm not sure are hard or soft... Because the report doesn't indicate which one it was. I've been shopping around for car insurance lately.

Sure it does. However, you have to pull a report that includes soft pulls. Inm most cases you need to pull directly from the CRA. Verify that you're using an appropriate source for your report if you want to view soft pulls.