Credit Report Likely Pulled by U.S. Bank for NJ

[cws-21]

Hello, folks. I have a question that I hope you can answer for me or, at least, steer me in the right direction. I am interested in getting the U.S. Bank Altitude Go. My credit scores are all above 800 and I have $100k+ annual income. It is my understanding, and hope because I am 0/6 and 0/12, that U.S. Bank would pull TransUnion for me. I am also 0/6 and 1/12 for Equifax, but 2/6 and 3/12 for Experian. Who from New Jersey has been approved for the card and, for those of you who have been approved, which credit report was pulled? Additionally or alternatively, I would appreciate any reputable sources that anyone might be able to point me in the direction of that would indicate the credit report that is most likely to be pulled for New Jersey. I have already reviewed @credit_is_crack's very informative and useful "Which Report Will They Pull, Part 2" post, which does confirm U.S. Bank will likely pull TransUnion for me. I would like confirmation of this if at all possible. I would also gladly accept any other insight anyone is willing to offer. Thank you for the assistance. It is, as always, much appreciated.

[ocheosa]

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@cws-21 wrote:

Hello, folks. I have a question that I hope you can answer for me or, at least, steer me in the right direction. I am interested in getting the U.S. Bank Altitude Go. My credit scores are all above 800 and I have $100k+ annual income. It is my understanding, and hope because I am 0/6 and 0/12, that U.S. Bank would pull TransUnion for me. I am also 0/6 and 1/12 for Equifax, but 2/6 and 3/12 for Experian. Who from New Jersey has been approved for the card and, for those of you who have been approved, which credit report was pulled? Additionally or alternatively, I would appreciate any reputable sources that anyone might be able to point me in the direction of that would indicate the credit report that is most likely to be pulled for New Jersey. I have already reviewed @credit_is_crack's very informative and useful "Which Report Will They Pull, Part 2" post, which does confirm U.S. Bank will likely pull TransUnion for me. I would like confirmation of this if at all possible. I would also gladly accept any other insight anyone is willing to offer. Thank you for the assistance. It is, as always, much appreciated.

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@cws-21 

I can confirm over the past two years, on personal and business applications, Elan/USB hard pulled Transunion and soft pulled Experian for both me and my partner. Cards: MCPx2, Smart Rwds and Cash+, Triple Cash.

Also, I can only speak for my own reports, there have been intermittent SP/Account Review pulls on Transunion.

As always, YEMV. Good luck!!

[cws-21]

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@ocheosa wrote:

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@cws-21 

I can confirm over the past two years, on personal and business applications, Elan/USB hard pulled Transunion and soft pulled Experian for both me and my partner. Cards: MCPx2, Smart Rwds and Cash+, Triple Cash.

Also, I can only speak for my own reports, there have been intermittent SP/Account Review pulls on Transunion.

As always, YEMV. Good luck!!

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Thank you for the reply and information, @ocheosa. I am glad to read that your hard pull was TransUnion, but somewhat concerned about the Experian soft pull. If I had pulls from U.S. Bank, I wonder what my approval chances are likely to be given I am 0/6 and 0/12 for TransUnion, but 2/6 and 3/12 for Experian. Any thoughts @ocheosa? Anyone else have any insight to offer?

[Bill77]

According to help me build credit, they pull from Experian in NJ.

[ocheosa]

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@cws-21 wrote:

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@ocheosa wrote:

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@cws-21 

I can confirm over the past two years, on personal and business applications, Elan/USB hard pulled Transunion and soft pulled Experian for both me and my partner. Cards: MCPx2, Smart Rwds and Cash+, Triple Cash.

Also, I can only speak for my own reports, there have been intermittent SP/Account Review pulls on Transunion.

As always, YEMV. Good luck!!

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Thank you for the reply and information, @ocheosa. I am glad to read that your hard pull was TransUnion, but somewhat concerned about the Experian soft pull. If I had pulls from U.S. Bank, I wonder what my approval chances are likely to be given I am 0/6 and 0/12 for TransUnion, but 2/6 and 3/12 for Experian. Any thoughts @ocheosa? Anyone else have any insight to offer?

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 @cws-21 , I would go for it ! At the time of first app, I had 1/12 onTU but had quite a few inqs on EX. Didn't seem to matter.

[cws-21]

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@ocheosa wrote: @cws-21 , I would go for it ! At the time of first app, I had 1/12 onTU but had quite a few inqs on EX. Didn't seem to matter.

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Thanks. I probably will apply as soon as I am done meeting the spend requirement for the current SUB I am working on. Thank again.