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USBAR - FREEZE EQUIFAX - WILL THEY PULL?

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theeurotuner
Valued Member

USBAR - FREEZE EQUIFAX - WILL THEY PULL?

I tried searching but haven't gotten any info anywhere. 

 

My Equifax report has quite a few inquiries and would like US Bank to pull TU or EX instead as USBAR is very inquiry sensitive. If I freeze EQ report, will they pull from others or just decline? I know many just pull from other reports, but don't know about US Bank. 

 

Thank you so much for your insight!

 

Note: Florida apps always pull EQ from what I can see with US Bank

Amex BCP- 1k, Amex EDP - 15k, Amex PRG, Barclays Ring - 10k, Barclays Arrival Plus World Elite - 12k, Chase Freedom - 5k, Discover it - 15k, Discover Escape: 17k, USAA World MasterCard: 10k, Walmart - 7,500, P.C. Richards - 5k, Lowes - 9k, Bank Of America 1 2 3 Cash - 15K, Amazon - 7,500K ~~~ Fico - TU-759, EQ-720, EX-751
Message 1 of 6
5 REPLIES 5
NoHardLimits
Established Contributor

Re: USBAR - FREEZE EQUIFAX - WILL THEY PULL?

I'm in Central Florida.  I was approved for 3 US Bank cards over the past 2 years, and each application resulted in a TU inquiry.

April 2024 Scorecard: Clean, Thick, Mature, NO New Revolver
FICO8:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 36 yrs | AoYRA: 12 mos | New Accounts: 0/6, 0/12, 2/24 | Util: 1% | DTI: 1%
Message 2 of 6
CorpCrMgr1
Established Contributor

Re: USBAR - FREEZE EQUIFAX - WILL THEY PULL?

It's been several years, but TU was pulled.

Message 3 of 6
citymunky
Established Contributor

Re: USBAR - FREEZE EQUIFAX - WILL THEY PULL?

I did this for my BIZ card with them. I keep my EX and EQ due to the INQs (EX=5, EQ=3, and TU=0). They pulled TU, however I'm not in FL.

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1 CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 4 of 6
theeurotuner
Valued Member

Re: USBAR - FREEZE EQUIFAX - WILL THEY PULL?

So I went ahead and applied and it was indeed EQ. Being a dummy I didn't just freeze the eq report and do my own test 🤦🏻‍♂️ 😂. 

Needless to say, I was declined. I'm positive it's due to the inquiries. 

Amex BCP- 1k, Amex EDP - 15k, Amex PRG, Barclays Ring - 10k, Barclays Arrival Plus World Elite - 12k, Chase Freedom - 5k, Discover it - 15k, Discover Escape: 17k, USAA World MasterCard: 10k, Walmart - 7,500, P.C. Richards - 5k, Lowes - 9k, Bank Of America 1 2 3 Cash - 15K, Amazon - 7,500K ~~~ Fico - TU-759, EQ-720, EX-751
Message 5 of 6
citymunky
Established Contributor

Re: USBAR - FREEZE EQUIFAX - WILL THEY PULL?


@theeurotuner wrote:

So I went ahead and applied and it was indeed EQ. Being a dummy I didn't just freeze the eq report and do my own test 🤦🏻‍♂️ 😂. 

Needless to say, I was declined. I'm positive it's due to the inquiries. 


SinceI started my rebuild I have kept all my files freezen at all times, and I only unfreeze when I know I'm going to apply for something. 

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1 CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 6 of 6
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