Elan Max Cash Approval - Required 2 HP's

[Anonymous]

Congratulations! I think us bank does the same when they want to recon the credit limit.

[CreditAggie]

Congratulations on your Elan Max Cash approval! Glad the recon worked out even though it costed an extra hard pull.

[nytokyobred79]

Congrats on the approval after the recon. I see that they pulled TU the 2nd time. Is there any slight variance between your EQ and TU or all of your current/past account history same on both? In my case, my EQ has additional closed loans reporting that EX and TU don't have thus giving me a lengthier AAoA. 

[Taurus22]

@nytokyobred79  All information is identical on all 3 bureaus for me, including closed loans. Not sure why I have the variance between my scores. Different algoroithms used between the bureaus maybe? *shrug*

[coldfusion]

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@Anonymous wrote:

@Taurus22

One word "tenacity" great work. You pushed and landed where you wanted.

As to Elan/US Bank, I have wondered too as whether they are separate or together? Now that the subject came up I just called US Bank and asked? They said you could call the Elan number or the US Bank number and the Customer Service Representative could handle both types of accounts. Good to know! Thanks for the heads up

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As an FYI a closely related topic has been discussed on the board before;  per US Bank the underwriting for both US Bank and Elan cards is performed by the same group. 

[M_Smart007]

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@coldfusion wrote:

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@Anonymous wrote:

@Taurus22

One word "tenacity" great work. You pushed and landed where you wanted.

As to Elan/US Bank, I have wondered too as whether they are separate or together? Now that the subject came up I just called US Bank and asked? They said you could call the Elan number or the US Bank number and the Customer Service Representative could handle both types of accounts. Good to know! Thanks for the heads up

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As an FYI a closely related topic has been discussed on the board before;  per US Bank the underwriting for both US Bank and Elan cards is performed by the same group. 

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This ^^^^^^^^^

@Anonymous,

Here is an older article filled with some insight about Elan & US Bank.

https://www.businesswire.com/news/home/20111221005074/en/Elan-Financial-Services-Acquires-700-Million-in-Financial-Institution-Credit-Card-Portfolios