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CSP and California

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CreditSage
Regular Contributor
‎08-15-2019 11:19 AM
‎08-15-2019 11:19 AM

CSP and California

Does Chase pull Experian in California? I remember reading that on the forums somwhere. 

Current Open: NFCU AMEX $6,800 CL | Chase Freedom $3,800 CL | QS1 $1,300 CL | BankAmericard $24,000 CL (AU) | NFCU SSL $3,000 |
FICO 8 EXP, EQ, TU: 675-715 (depending on Utl.) | AAoA 3 Years 3 Months | AoYA 0 Months

Closed: American Honda Finance Installment $16,000 paid satisfactorily | Capital One Secured $700 paid satisfactorily | Wells Fargo credit card $3,000 paid charge off settled less than full amount (badie 2015) | Bank of America credit card $1,000 paid charge off settled less than full amount (badie 2015)
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Message 1 of 14
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13 REPLIES 13
AverageJoesCredit
Legendary Contributor
‎08-15-2019 02:41 PM
‎08-15-2019 02:41 PM

Re: CSP and California

Not sure but with Chase, it is always good to remember in most cases they usually pull two bureaus.
Message 2 of 14
FinStar
Moderator Emeritus
‎08-15-2019 02:47 PM
‎08-15-2019 02:47 PM

Re: CSP and California

Agree with @AverageJoesCredit. Chase has been known to access any of the 3 (usually a combo of 2 CRs in sequence).
Message 3 of 14
calyx
Super Contributor
‎08-15-2019 03:02 PM
‎08-15-2019 03:02 PM

Re: CSP and California

@FinStar wrote:
Agree with @AverageJoesCredit. Chase has been known to access any of the 3 (usually a combo of 2 CRs in sequence).

Yup, they've double pulled me three times - EQ/EX, EQ/EX, and EX/TU

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 4 of 14
RonF
New Member
New Member
‎08-16-2019 08:30 AM
‎08-16-2019 08:30 AM

Re: CSP and California

Just had a double pull for a CSP app - Ex & TU.  I'm in NY.

Message 5 of 14
CAS2019
Frequent Contributor
‎08-16-2019 11:59 AM
‎08-16-2019 11:59 AM

Re: CSP and California

I live in SoCal, and Chase pulled EX and TU .

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Current Score: 784
Goal Score: 800

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Message 6 of 14
Anonymous
Not applicable
‎08-16-2019 07:50 PM
‎08-16-2019 07:50 PM

Re: CSP and California

Live in SoCal and they pulled experian on me. They double pulled EX and TU on my wife cuz she doesn't have a bank account longer than 1 year w/ them. 

Message 7 of 14
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SoCalifornia
Frequent Contributor
‎08-16-2019 09:36 PM
‎08-16-2019 09:36 PM

Re: CSP and California

Most likely expect a an EX/TU double pull.

BUT... if it's a card you want and you are confident with your profile, don't be overly concerned with inquiries. 🤷🏽‍♂️


Message 8 of 14
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Anonymous
Not applicable
‎08-17-2019 07:32 PM
‎08-17-2019 07:32 PM

Re: CSP and California

Chase pulled TU and EX when I app'ed for its freedom card in 2017 and im californian
Message 9 of 14
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sjt
Senior Contributor
‎08-19-2019 02:16 PM
‎08-19-2019 02:16 PM

Re: CSP and California

@CreditSage wrote:

Does Chase pull Experian in California? I remember reading that on the forums somwhere. 

For me, they always pull Experian. They did a double pull (Experian and TU) on my first Chase card with them. 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 10 of 14
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