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This month I unfroze Ex and opted-in in hopes of getting some online pre-qualls from chase. Ex is who they always pull for me, that’s why I choose them. However, I never received any pre-qualls on chase’s site. Conversely what I discovered is that when I unfroze TU on 04/11/16 for a 24 hr lift, I got my first pre-qualls for Freedom and Slate both with Apr’s. When the TU lift ended last night at 12:00pm, I noticed that my chase pre-qualls did not display anymore.
Could it be that chase uses TU to sp me for pre-qualls and hp through Ex for the account approval? I just thought this was interesting turn of events so I decided to share. Since others may be wondering why they are not getting chase pre-qualls, maybe this could be a reason. I will test this to see if I can replicate this behavior and report back in 24 -36 hours with my findings. Also, this was the only pre-quall that worked for me.
They use TransUnion for the pre-qual checker, and generally pull EX for applications, but not always.
For my SP they pulled TU (possibly more but I haven't got any notfications on other reports yet).
I think for my so-far-denied FU app they pulled EX, and last summer they pulled EX when I applied for AARP as well.
If you have TU frozen, their pre-qual checker will not work for you.