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Synchrony pulls TU 90% of the time and EX 10% so you should be ok
Dont know about Citi but I think they are an EX puller
Good luck
@Anonymous wrote:
Do they pull Equifax, All 3, or would they pull one of the others I look good in? If I do apply, would it effect my chances at the financing for the lease, should I wait until after?
Remember that CCCs while they may only HP one bureau at the time of an application can easily SP the other 2. It's always a best practice to assume that they're going to see all 3 of your credit reports. For example, Amex is known to always pull EX. Many people however report that in addition to their EX HP, they can see a SP (or two) from the other bureau(s) at the time of the application.
I would definitely hold off on applying for cards until after you get your car situation squared away.
If you still want to try for a card AFTER the car, I would suggest going for the PP MC. Most likely a TU pull, although anything is possible. Sync also tends to be less strict than Citi. This is just my opinion though.
Good luck and enjoy the new car!
@Anonymous wrote:
@Anonymous wrote:
Do they pull Equifax, All 3, or would they pull one of the others I look good in? If I do apply, would it effect my chances at the financing for the lease, should I wait until after?Remember that CCCs while they may only HP one bureau at the time of an application can easily SP the other 2. It's always a best practice to assume that they're going to see all 3 of your credit reports. For example, Amex is known to always pull EX. Many people however report that in addition to their EX HP, they can see a SP (or two) from the other bureau(s) at the time of the application.
+1
as always Great DP's, you beat me too it.
@Meanmchine wrote:Synchrony pulls TU 90% of the time and EX 10% so you should be ok
Dont know about Citi but I think they are an EX puller
Good luck
Citi pulled TU 2 weeks ago for my Citi AAdvantage.
It depends on how confident you are about getting out of the dealership with 1-2 hard pulls. If you’re not, go for the cards first. CC lending is much stricter than auto lending. Auto lenders don’t care about inquiries. If you come out of the dealership with a shotgun those preapprovals can easily turn into 7-10 day notices. Yes, they will/can if coded correctly count as one inquire, for scoring...but CC companies pull your raw data not just scores. I just went through this myself.