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List of my HPs kind of odd :P

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Kirmie2010
Established Contributor

List of my HPs kind of odd :P

The list isnt odd, what I think is odd is the amount of company's I applied for that arnt on any of my lists as pulling my credit.  Guessing they did a SP and decided on that.  Which is nice, just wish I could remember which they were!  (all the papers are at home, im at work, so sad... and in the morning too tired to go through em!) 

 Tried for another discover CLI today, denied Smiley Tongue  Maybe in a week or so!

 

(im in Oregon)

 

Equifax

American Express
Capital One
Chase
Citi
Comenity Bank SPMNGV
Comenity Capital/HSN
Digital Federal Credit Union
Discover
Fingerhut
JP Morgan Chase
OneMain Financial
Oregon Community Credit Union
Sterling
Target
Firestone CBNA

 

TransUnion

American Express
Barclays
Capital One
Sears
SYNCB
SYNCB Amazon
SYNCB Chevron
SYNBC Lowes
SYNBC PPEXTR
SYNBC Walmart
US Bank
Fingerhut

 

Experian

Chase
BBVA Compass
Firestone CBNA (They keep soft pulling this one)
CreditOne Bank
Bank of America
Capital One
Chase
American Express
Nasa Federal Credit Union
Roadloans.com
Fingerhut
Comenity Cap Bank True Value
Macy's
Kohl's
Comenity Victorias Secret

Message 1 of 8
7 REPLIES 7
TheGardner
Valued Contributor

Re: List of my HPs kind of odd :P

Oddest thing I see is the triple pull of pain from Amex. First time I have seen that. These are HPs?

May God have mercy on your soul OP, Amex will show you no mercy in life.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 2 of 8
Kirmie2010
Established Contributor

Re: List of my HPs kind of odd :P

Yeah just the HPs, I doubt the forum text area cound fit my SPs Smiley Tongue

 

Maybe they pulled all of my reports due to them not being the same?  I just figured they were like cap one and dinged you all over the place.

Message 3 of 8
TheGardner
Valued Contributor

Re: List of my HPs kind of odd :P

Not usually, best I can figure is borderline approval. Even then 3 is extremely rare, never seen before. They wouldn't know all 3 are different without pulling Smiley Tongue
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 4 of 8
Anonymous
Not applicable

Re: List of my HPs kind of odd :P

Very rarely does AMEX pull 3...
Message 5 of 8
FinStar
Moderator Emeritus

Re: List of my HPs kind of odd :P


@Anonymous wrote:
Very rarely does AMEX pull 3...

I agree, since I have heard or seen this happen before (again, very rare).  Then again the OPs profile is also an outlier from most folks given the volume of applications and overall substance. 

Message 6 of 8
uswala
Senior Contributor

Re: List of my HPs kind of odd :P

It was triple pull for my Costco TE approval. Same was the case with wife's BCE.

Message 7 of 8
Kirmie2010
Established Contributor

Re: List of my HPs kind of odd :P

Ahh if they do it for a borderline app than thats most likely why.  I do agree my credit profile is not the norm Smiley Tongue

 

I apped for them after my chase and discover approvals, probably should of done Amex first and it would of been approved.  But that would explain why they pulled all 3, 700 fico at the time but judgements/collections so they probably wanted to check them all.

 

I gave up on em though as much as I want one itd just sit in my card wallet Smiley Tongue  I rarely shop at stores that even take the card.  Maybe ill get one next year if they have some kind of extra special offer for cash back.  Thats why I got the chase, 125 dollars back for spending 500? Smiley Tongue thats like 25% off of whatever I bought! (Made the xbox one cheap, than it went on sale nationwide 2 days later so I got 50 bucks back from walmart, xbox one for 325 normally 500.  Plus the few dollars cash back.)

 

Thanks for input!

Message 8 of 8
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