US Bank Cards

[Remedios]

@credit_is_crack  your chart is correct

TU is "primary" for most, but depending on location, either one of the remaining two is possible. 

TU is not exclusive,  and it's always FICO 9 classic (until it changes 😂). 

I think people just see "Fico" and dont look at the actual version. 

[credit_is_crack]

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@Remedios wrote:

@credit_is_crack  your chart is correct

TU is "primary" for most, but depending on location, either one of the remaining two is possible. 

TU is not exclusive,  and it's always FICO 9 classic (until it changes 😂). 

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@Remedios gotcha. They do like the TU9, but I know they bounce around a bit and although it's not super common, they will double-pull on some folks (rare, but it happens)

[Remedios]

They left a bunch of  *pellets* on my TU, five to be exact 😂

I wish they would move on to EQ. Its nekid and no one wants it

[Anonymous]

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@Remedios wrote:

They left a bunch of  *pellets* on my TU, five to be exact 😂

I wish they would move on to EQ. Its nekid and no one wants it

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You left-coasters... that's how I feel about TU over here on the east coast... EVERYONE PULLS EQ over here and it makes me sad.  My TU profile is better and gets no love.

[ChazzieT]

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@Anonymous wrote:

My TU profile is better and gets no love.

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Same for me, here in Texas.

[MacCreed]

Got AR at 2/6.  Applied for a self direct and a checking and an AR all on the same day.  SD and checking instant approval, AR went into review, auto approved days later.  Pulled TU.

If you don't live in a swampy wasteland known as Florida you could save step one. 

[Anonymous]

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@MacCreed wrote:

Got AR at 2/6.  Applied for a self direct and a checking and an AR all on the same day.  SD and checking instant approval, AR went into review, auto approved days later.  Pulled TU.

If you don't live in a swampy wasteland known as Florida you could save step one. 

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Hot and humid devil's left armit of South Carolina? Same trouble.  ;-)

[Anonymous]

I applied for the Cash + 2 days ago and they pulled Experian (the one bureau I was hoping they wouldn't pull as I have an inquiry from the Amazon Prime Visa from 5/25 although the account doesn't show up). I am in California

I called UW today and seemingly was approved although I don't know the amount - I didn't continue on to a representative. The only other inquiry on my Experian is from a mortgage app dated 10/18 (it's also the only inquiry on TU and Equifax).

Newest account is from May 2018 (auto loan which is 90% paid off) other than the Amazon Prime Visa which hasn't reported.

My Experian Fico 8 score from earlier this month was 807

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[calyx]

When I've had HPs with USBank (all three bureaus by now, but they've seemed to settle into TU now that we've got 'history' together), they've also soft pulled other CRAs.  I wouldn't worry about just one CRA with them (nevermind their penchant for SageStream/ARS).

[Matt9543]

Hey everybody,

Just an update. I received my denial letter today, new accounts listed and too short of history was listed as well. Interestingly enough, they did mention an altitude secured card available; If I wanted I would just have to contact my financial institution for an application. Interesting if someone wants an application for that. I may request one just to get information and share.