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Block CRA when applying for USBank

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JimmiS
Established Member

Block CRA when applying for USBank

I heard you should block certain CRA's when applying for USBank. Which ones? And why?

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CreditCuriosity
Moderator Emeritus

Re: Block CRA when applying for USBank

This was an old tactic on 2nd tier bureaus.  This now actually hinders your possibility of getting approved.  Back in the day people were referring to sagestream and innovis.

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jaxstraw
Valued Contributor

Re: Block CRA when applying for USBank


@CreditCuriosity wrote:

This was an old tactic on 2nd tier bureaus.  This now actually hinders your possibility of getting approved.  Back in the day people were referring to sagestream and innovis.


Yep. More often than not issuers won't process the app, it stalls in limbo, and you have to call and  enquire why nothing is happening and you have to unfreeze

 

Hopefully within a timeframe before the app is cancelled outright.

 

If you really want a card that fits your needs why do anything to hinder it's possible approval ?

I never understood the tactic.

Jax

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