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I have about 3 inquiries in EXP and 2 inquiries in EQ. However, I only have 1 inquiry in TU. It was about a year ago. I want to get one more credit card that has a 0% interest for BT. So I'm trying to find one that pulls a TU. I think I'll have a better chance for approval.
This depends on where you live but heres a short list ... Navy Fed, BMO harris, US Bank, Apple FCU, Teachers FCU, Elan Financial, The Apple Card, The GM card. good luck.
This thread has fallen by the wayside but it should at least give you some idea of likely candidates depending on which state you live in.
Barclays usually pulls TU.
@coldfusion wrote:This thread has fallen by the wayside but it should at least give you some idea of likely candidates depending on which state you live in.
Thank you so much! This thread has a wealth of helpful information.
@NoHardLimits wrote:Barclays usually pulls TU.
Thanks. I'm considering Barclays!
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circumstance.
@youngandcreditwrthy wrote:BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circumstance.
Thanks for your insight!
Last month I got Discover...they only pulled EXP.
I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.
@youngandcreditwrthy wrote:BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circumstance.
BoA almost exclusively pulls Experian for new credit applications although they did HP Equifax for my last card with them. Their go-to for CLI requests are Transunion soft pulls.
@AJ67 wrote:
@youngandcreditwrthy wrote:BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circumstance.
Thanks for your insight!
Last month I got Discover...they only pulled EXP.
I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.
Barclay is a quirky lender and has historically been somewhat sensitive to new accounts, but if you're denied call them and ask for a reconsideration. You'll be transferred to an analyst who can update to an approval on the spot if you make a convincing enough case.