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Dell Preferred Account - Inquiry on Which Credit Report?

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kal9988
Regular Contributor
‎12-07-2014 05:05 PM
‎12-07-2014 05:05 PM

Dell Preferred Account - Inquiry on Which Credit Report?

Hi - If I apply for a Dell Preferred Account, does anyone know on which credit report the inquiry will show up? Thanks!

Message 1 of 11
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Ron1
Super Contributor
‎12-07-2014 05:12 PM
‎12-07-2014 05:12 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

They pulled EXP.

 

 

Ron.

Message 2 of 11
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CreditCardDiva
Regular Contributor
‎03-02-2015 02:53 PM
‎03-02-2015 02:53 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Credit Rebuild Start Date (3/12)
Oakland County CU Visa ($500) | Capital One Quick Silver One ($600) | Capital One Secured MC ($200) | Walmart ($1600) | PayPal Credit ($1000) | Jared ($3500) | Victoria's Secret ($850) | Gettington ($3500) | Amazon Store Card ($850) | NewEgg Preferred ($2400) | Discover IT ($1500) | Dillard's AMEX ($1500) Target ($1500) | Overstock Store Card ($1200) | Kohl's ($1500) | Old Navy ($650) | Macy's Store Card ($800) | The Limited ($350)
Message 3 of 11
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Anonymous
Not applicable
‎03-02-2015 04:55 PM
‎03-02-2015 04:55 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

@CreditCardDiva wrote:

They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Good to know.. I didn't know that.

Message 4 of 11
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Anonymous
Not applicable
‎03-02-2015 05:38 PM
‎03-02-2015 05:38 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

@CreditCardDiva wrote:

They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Not necesarily. I haven't used mine since 2008 and it's still listed as open. I asked about a CLI and they said they don't do those anymore and suggested that I combine with another card if I needed to.

 

It was kind of an odd chat.

Message 5 of 11
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Anonymous
Not applicable
‎03-02-2015 05:40 PM
‎03-02-2015 05:40 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

They pulled Experian for me

Message 6 of 11
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Anonymous
Not applicable
‎03-02-2015 06:28 PM
‎03-02-2015 06:28 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

They closed my $2500 unused account inside of 2 month due to non use.
Message 7 of 11
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aav
Established Contributor
‎03-02-2015 07:34 PM
‎03-02-2015 07:34 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Not true for me either. I've had dell for a very long time.. 12 or 13 years maybe... I don't use it very often but they like when I do 'cause we make some nice purchases. They send some really cute personalized advertisements too.
EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900
Message 8 of 11
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CreditCardDiva
Regular Contributor
‎03-02-2015 07:50 PM
‎03-02-2015 07:50 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

@Anonymous wrote:
They closed my $2500 unused account inside of 2 month due to non use.

Exactly...I never used mine, and it's not unusual for them to close your account, if you don't use it shortly after you open it. I'm not talking about using it once, and not using it again for awhile.

Credit Rebuild Start Date (3/12)
Oakland County CU Visa ($500) | Capital One Quick Silver One ($600) | Capital One Secured MC ($200) | Walmart ($1600) | PayPal Credit ($1000) | Jared ($3500) | Victoria's Secret ($850) | Gettington ($3500) | Amazon Store Card ($850) | NewEgg Preferred ($2400) | Discover IT ($1500) | Dillard's AMEX ($1500) Target ($1500) | Overstock Store Card ($1200) | Kohl's ($1500) | Old Navy ($650) | Macy's Store Card ($800) | The Limited ($350)
Message 9 of 11
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Anonymous
Not applicable
‎03-02-2015 08:27 PM
‎03-02-2015 08:27 PM

Re: Dell Preferred Account - Inquiry on Which Credit Report?

I've had 2k since 2009. Used once in 2009 to buy a $1600 computer. Haven't used since and still active. However, does anyone know if I can get a CLI on this type of account? I want to get a more expensive newer computer. I could pay for it but why not get 0% financing? But I need a cli.

Message 10 of 11
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