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Chase app

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Wls170
Established Member

Chase app

Hello,

 

which credit bureau is chase pulling for everyone?

I want to apply for a chase freedom flex to compliment my SO sapphire reserve.  No need for two AFs when I can get a decent bonus and transfer the points. 

Hoping to get some insight on this from the members around here...  

 

my biggest issue is my highest limit cards don't report to EX.   If they pull EX exclusively is there any chance I can recon and get them to look at my EQ or TU?

 

thanks everyone!

 

edit: my eq and tu scores listed below will be updated by 6/10 when my UTL drops below 25% so I should see a nice boost in scores 






In rebuild since 5-2-2022

Starting scores all in the low 500s
Message 1 of 12
11 REPLIES 11
Brian_Earl_Spilner
Credit Mentor

Re: Chase app

Typically ex, but may pull TU in addition. I have heard of them pulling tu instead. 

    
Message 2 of 12
Wls170
Established Member

Re: Chase app


@Brian_Earl_Spilner wrote:

Typically ex, but may pull TU in addition. I have heard of them pulling tu instead. 


I'm guessing it's a location thing?






In rebuild since 5-2-2022

Starting scores all in the low 500s
Message 3 of 12
ScarlettHusky
Contributor

Re: Chase app


@Wls170 wrote:

Hello,

 

which credit bureau is chase pulling for everyone?

I want to apply for a chase freedom flex to compliment my SO sapphire reserve.  No need for two AFs when I can get a decent bonus and transfer the points. 

Hoping to get some insight on this from the members around here...  

 

my biggest issue is my highest limit cards don't report to EX.   If they pull EX exclusively is there any chance I can recon and get them to look at my EQ or TU?

 

thanks everyone!

 

edit: my eq and tu scores listed below will be updated by 6/10 when my UTL drops below 25% so I should see a nice boost in scores 


When I applied for the Disney Premier Visa last week, they only pulled TU. I live in WA state.

EX: 631 VantageScore FICO: 662
TU: 633 VantageScore FICO: 677
EQ: 640 VantageScore FICO: 633
As of: 4/22

Wallet:
Chase Disney Premier Visa CL $3,600 Extra Credit Builder Debit Card CL $3,000
Amex Platinum SkyMiles Card CL $12,000 NFCU Signature cashRewards Visa CL $11,000
Synchrony Lenovo Store Card CL $10,000 Citi Shell Fuel Rewards Card CL $600
Comenity Victoria's Secret Angel Card CL $900 BofA Alaska Airlines Visa Signature CL $6,700
Capital One Venture One World Elite MC CL $3,950 Quicksilver World Elite MC CL $5,400
Message 4 of 12
800wannabe420
Frequent Contributor

Re: Chase app

@Wls170 

 

I get double pulled every time, EX and TU.  I'm in Texas. 

Message 5 of 12
Mones
Frequent Contributor

Re: Chase app

I live in New Jersey and when I applied for the Freedom Flex (my first card), they double pulled EX and EQ. It seems they always pull EX but they could double pull either EQ or TU depending on location. You could always call for the application/go in branch for the application and ask for a double pull? But I don't think you can recon another hard pull although I could be wrong.

Current Cards (in order of approval)

Closed Cards


Current FICO 8 Scores (As of Feb 12th, 2025):
Inquires (6/12/24):
Account Age metrics:
Updated Mar 12th, 2024
Message 6 of 12
nytokyobred79
Valued Contributor

Re: Chase app

Just adding some additional dp's.

 

For my 1st and 2nd Chase cards, they pulled EX exclusively. I live in NY. And even for a 3rd card which I was denied due to 5/24, they only pulled EX. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 7 of 12
captainsensation
Regular Contributor

Re: Chase app

I think experian for me...

AMEX Delta SkyMiles Blue Card: 10K, AMEX Bread Cash Back: 19.5k, PenFed PCR: 17.5K, PenFed Gold: 10K, FNBO: 14.1K, CapOne Venture: 6.1K. Chase Amazon: 4.5K, Gamestop 3k, GM Rewards 2K, Apple Card 4.5K, Tomo 1K, American Express 19.5K (AU), Ally 3.3K AMEX BCP 25K, Lowe's: 35K
Message 8 of 12

Re: Chase app

I just applied / approved for my first Chase card, an ink bus unlimited.  Went to the branch and asked which bureau do I need to unfreeze.  They said only EX, but I've heard of TU being pulled also.  Approved me without asking to see TU.  

Message 9 of 12
Janneman
Valued Contributor

Re: Chase app


@LostInTheWoods wrote:

I just applied / approved for my first Chase card, an ink bus unlimited.  Went to the branch and asked which bureau do I need to unfreeze.  They said only EX, but I've heard of TU being pulled also.  Approved me without asking to see TU.  


What was your 5/24 status, please? Did you apply at branch or online?

Message 10 of 12
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