Question about double pulls

[ceejx]

I want to apply for the Chase Slate, possibly the CSP, and the Amex BCE after my utilization drops to <1% tomorrow.. problem is, Transunion is really slow at updating the report. A paid off CC from a week ago is reflected on both EQ and EX, but TU still hasn't updated, so I know it'll take a while for this other one to update too, both will drop me on TU from 58% util to <1% util. 

So the question is, when a bank like Chase does a double pull, which would include my TU report, how much affect will the util being high on the TU report have if the EQ/EX reports reflect the new util? Which report do they base their decision off of? The better of the two, or worse, or mix of both? Or is it similar to a mortgage that uses the middle score (Even tho it's only 2 pulls not 3)?

 The score difference will be significant. 715 to somewhere between 765 and 800. I'd prefer not to wait until TU decides to get in gear and finally update due to a signature loan posting to my CR that might drop my score a bit.

Thanks in advance!

[elim]

wait for it to report definately.  what's the rush?   you should always app for the very best terms which means reporting perfect utilization before you do.

[ceejx]

I have my reasons for the rush.

[Skye12329]

For my apps they only doubled pulled on my freedom with that being my first card with them, after that it was just EX pulls. As for how it may affect, no one will really know since its computer based. The computer is going to be looking at whatever report(s) it pulls, my guess is that whatever it doesnt find on one report but sees on another is going to be the deciding factor for everything. So if they do pull TU with either single or double, the computer is going to be basing the decision off of that is just my guess. 

[Revelate]

If you haven't already, sign up on a freebie from one of the numerous TU-pulling report services, even Credit Karma is good enough for what you need among other options.

Monitoring solutions can be delayed unfortunately.

[ceejx]

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@Revelate wrote:

If you haven't already, sign up on a freebie from one of the numerous TU-pulling report services, even Credit Karma is good enough for what you need among other options.

Monitoring solutions can be delayed unfortunately.

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I have the latest. I get fresh pulls ever night and also use back doors. TU is habitually delayed.

[Revelate]

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@ceejx wrote:

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@Revelate wrote:

If you haven't already, sign up on a freebie from one of the numerous TU-pulling report services, even Credit Karma is good enough for what you need among other options.

Monitoring solutions can be delayed unfortunately.

---

I have the latest. I get fresh pulls ever night and also use back doors. TU is habitually delayed.

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Yeah, TU is slow, that sucks.  Out of curiosity mind sharing why you need to go right now?

Fortunately for me outside of mortgage shopping, I have to go out of my way to get anyone to look at my TU report.

[ceejx]

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@Revelate wrote:

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@ceejx wrote:

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@Revelate wrote:

If you haven't already, sign up on a freebie from one of the numerous TU-pulling report services, even Credit Karma is good enough for what you need among other options.

Monitoring solutions can be delayed unfortunately.

---

I have the latest. I get fresh pulls ever night and also use back doors. TU is habitually delayed.

---

Yeah, TU is slow, that sucks.  Out of curiosity mind sharing why you need to go right now?

Fortunately for me outside of mortgage shopping, I have to go out of my way to get anyone to look at my TU report.

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Looking to BT to the 0% interest slate. Longer it takes, more interest I pay. 2 weeks can cost me $$. But also just want to know the process.

[Revelate]

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@ceejx wrote:

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@Revelate wrote:

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@ceejx wrote:

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@Revelate wrote:

If you haven't already, sign up on a freebie from one of the numerous TU-pulling report services, even Credit Karma is good enough for what you need among other options.

Monitoring solutions can be delayed unfortunately.

---

I have the latest. I get fresh pulls ever night and also use back doors. TU is habitually delayed.

---

Yeah, TU is slow, that sucks.  Out of curiosity mind sharing why you need to go right now?

Fortunately for me outside of mortgage shopping, I have to go out of my way to get anyone to look at my TU report.

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Looking to BT to the 0% interest slate. Longer it takes, more interest I pay. 2 weeks can cost me $$. But also just want to know the process.

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TU isn't usually 2 weeks behind for me, 5 days isn't unusual in my experience though unfortunately... and of course the date of last activity is when the lender reported and matches both EQ/EX, so yeah it's just TU being lame.

[ceejx]

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TU isn't usually 2 weeks behind for me, 5 days isn't unusual in my experience though unfortunately... and of course the date of last activity is when the lender reported and matches both EQ/EX, so yeah it's just TU being lame.

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Yeah, I noticed that looking at last months reporting, which I know for a fact came a couple weeks late, but still shows the same date as EQ/EX.