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
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.
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.
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.
@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.