Odd recent Chase application

[Mdowning30]

Yesterday i was trying to apply for the Chase United Gateway card which i thought would be an easy approval, it went straight to pending because it only went to Equifax and i have a freeze specifically on that one, i called in and asked how come they didnt use Experian or Transunion, they said they couldnt do anything. Soon after i get a promotional email directed to me specifically for the Ink Business Unlimited, knowing im over 5/24 i thought what the heck and applied. It went straight to pending because it only went to Equifax ! WTH ! I never had this issue with Chase because they normally use EX and sometime TU anytime i asked for recon or a CLI. 

Im confused about what to do now in my favor, im not unfreezing my Equifax because they are suck at updating my report.

[JoeRockhead]

That is confusing, I was just approved for the INK roughly 30 days ago (Dec 16) and while they did pull EQ, they also pulled EX so yeah, I don't get it, and agree that EQ leaves a lot to be desired. Their business credit reports are even worse and a nightmare to deal with. I guess you could reconsider the thaw if you're unable to get them to budge on the matter. I wish you luck.

[Mdowning30]

My EQ score is poor because the have failled to update any of my tradelines since May 2021. 

[JoeRockhead]

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@Mdowning30 wrote:

My EQ score is poor because the have failled to update any of my tradelines since May 2021. 

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WOW, that is truly absurd! My personal CR with them is fine, thankfully, but they have an account listed on my Biz CR that's not mine, never was mine, not even close to anything I've ever had, and can't get them to do anything whatsoever. Very sorry for your troubles, and hopefully you're pursuing any and all available avenues, like the FTC and CFPB (including an attorney, that's where I'm at) to remedy the whole mess. 

[nytokyobred79]

Sorry to hear about your difficulty with the United Gateway app. Not sure which state you reside in but in my case(NY), they only pulled EX for both apps. Now had they pulled EQ, it would be fine since my credit report is updated ( save for them actually reporting 2 additional loans which the other 2 bureaus don't). 
As mentioned upthread, I would consider unthawing EQ but I understand some accts haven't been updated. Is there a reason why? Have you reached out to EQ to dispute since it's been such a considerably long time( 2021)? I'd probably focus on disputing those accounts that haven't been updated before anything else( apologies if you've already tried). 

[FinStar]

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@Mdowning30 wrote:

Yesterday i was trying to apply for the Chase United Gateway card which i thought would be an easy approval, it went straight to pending because it only went to Equifax and i have a freeze specifically on that one, i called in and asked how come they didnt use Experian or Transunion, they said they couldnt do anything. Soon after i get a promotional email directed to me specifically for the Ink Business Unlimited, knowing im over 5/24 i thought what the heck and applied. It went straight to pending because it only went to Equifax ! WTH ! I never had this issue with Chase because they normally use EX and sometime TU anytime i asked for recon or a CLI. 

Im confused about what to do now in my favor, im not unfreezing my Equifax because they are suck at updating my report.

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If you decide not to unfreeze EQ, then it's unlikely that the application will go anywhere. Sometimes, not always, they can override the primary CRA, but system constraints may prevent it for some new applications, and if you elected to willfully freeze/block it for the reasons you stated upthread, then not much that can be done, especially when you're >5/24 for both applications 🤷‍♂️