Sorted out my HPs in the last three years. Had some observations and wanted to share.
- Amex used to triple pull; has pulled EX only since late 2013
- BoA pulls EX for new app, and TU for CLI
- Barclays used to double pull TU+EX; now pulls TU exclusively
- Cap1 triple pull is real, always (new app)
- Chase used to double pull EX+EQ; now pulls EX exclusively
- Citi likes double pull EX+EQ; sometimes pulls one of them (eg. my DC app)
- Disocver always pulls TU for me
- Elan/US Bank pulls either TU or EX, never EQ
- SunTurst always pulls EQ exclusively
I wish someone develops a comprehensive database for everything about approval score and HP/SP involved in app, CLI, consolidation etc. where registered users can fill out a form and submit data. All the threads and hearsays are so much entropy.
The credit pulls database is the closest you will come.
@Anonymous wrote:
Yep it's a nice tool. Unfortunately they don't accept my email so I (and probably a lot more folks) can't add any data points.
What do you mean by "they don't accept my email"? I've submitted plenty of approvals/denials in the creditpulls databse and it was never via email.
I click the "here" to submit your own entry link and then complete the information. Try that, you could probably add some valuable information to a lot of people.
Wow....too bad. 