Hard Inquiries from Biz CC's

[tpatterson2k9]

I know many people have posted that a hard pull on your personal credit is required when applying for a business credit card.  I started my corporation in January of this year and applied for three credit cards over the last couple months.  The only credit monitoring service I use is Credit Karma, and they show no hard inquiries for any of these cards.  They were the US Bank Cash Rewards card, the American Express Simply Cash, and the Chase Ink.  You would think these CCCs would pull a hard inquiry, wouldn't they?

[sccredit]

CK only looks at one bureau (TU) and Amex and USB pulls EQ (I think), AMEX and Chase are EX pullers

[Creditaddict]

Oh, They for sure pulled your credit... just not TU!

[tpatterson2k9]

Ah, now it makes sense.  I forgot that CreditKarma only goes off of your TU report.  Thanks for the clarification.

[SuperKirby]

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@tpatterson2k9 wrote:

Ah, now it makes sense.  I forgot that CreditKarma only goes off of your TU report.  Thanks for the clarification.

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Sign up for credit.com (Experian). It's free (like CK) and you can see how many HPs you have.

[NibblesTreats]

How real is the credit.com score?  I see it's through Experian, but the score I show through credit.com and the score I just purchased from myfico.com are about a 30 point difference.  Just wondering which one is more accurate.

[Creditaddict]

Myfico 100%

[NibblesTreats]

@creditaddict - thanks, that's what I thought. But my credit.com score was the higher one so  ..... LOL That's ok though.  Still in the rebuilding phase so hopefully it won't be too long before my scores are like the one on credit.com.