Who will Chase pull?

Creditobsessed12 · ‎04-10-2015

I have a freedom from 2 months ago but the limit is super low only $500. My scores since then are much higher and I am prequal on the chase site for the slate and the csp. I want to apply after I close on my house by the end of the month. When I got the freedom they pulled ex and tu for me. If I apply for the csp do you think they will pull both again or which one will they pull? The other thing is that my highest reporting limit at the monent is $1750 do you think I will get approved for the csp being that the lowest they give is 5k? I have a 5k card but amex hasn't reported it yet. I just pulled my TU score yesterday and it was 734. I think if they pull TU I might get approved. Any thoughts?

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board

orestrus · ‎04-10-2015

Experian

BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,

CreditCuriosity · ‎04-10-2015

@orestrus wrote:
Experian

They can pull whomever, most recent app was EQ for me with them, have had them pull TU and EX as well.. So any of the bureuas but they lean towards Exp or a double pull is normal as well

Also the Pre-Qual site uses TU soft pulls.. Although even if they pull a different buruea if is 99% golden that you will be approved

CreditCuriosity · ‎04-10-2015

Also if you are pre-qualified you are golden.. I would wait until you closed on your house then get the CC being the CSP or whatever if you want it.. Close first though

Anonymous · ‎04-10-2015

I'd wait to close on the house and have the Amex report the limit before applying. So that when they pull the report, they will see you have a card with that limit. Also, if they pulled EX and TU to approved you for the Freedom, there is a strong chances they will be pulling both also for the CSP.

chalupaman · ‎04-10-2015

Depends on where you live. They always pull EQ here but pulled EX as well for the Freedom.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Creditobsessed12 · ‎04-10-2015

I live in NY

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board

Anonymous · ‎04-10-2015

@Creditobsessed12 wrote:
I live in NY

I am in CT... It is EX and TU for our region. For all my Chase cards, it is EX and nothing else..

Creditobsessed12 · ‎04-10-2015

Do you think they will double pull again? When I got the freedom they pulled ex and tu. I hate double pulls. Also do they double pull for a CLI?

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board

Anonymous · ‎04-10-2015

They double pulled on me. Trans and Exp