@takeshi74 wrote:
Anecdotal evidence is interesting but not all that useful and that's why the Credit Pulls Database exists to aggregate such info which is more useful than any one person's experiences on their own. Attempting to analyze trends is only useful with larger sample sizes.
@Anonymous wrote:
Amex used to triple pull; has pulled EX only since late 2013
Whether or not a creditor performs multiple pulls has to do with your credit -- not the creditor.
@Anonymous wrote:
Yes I'm aware of that one but it's very crude with little data. Few people actually use it.
Plenty of people use it. Don't just assume that few use it because you don't.
@Anonymous wrote:
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.
Developing the DB isn't the problem. It's reliably and consistently collecting the data. Even with the data you suggest it would be of limited use versus what the CPD already offers. For one thing It's never just a matter of score.
Maybe you are right about amex. I used the database a few times looking up data, and it returned some, mostly outdated entries. The functionality is poor. Honestly it only gets used because there does not exist any decent alternative. For example. in the submission form there a mandatory field "Score Needed" which doesn't even make sense. If a user was denied, how is s/he supposed to know given the individual credit history what score would have got him/her approved? And people use the "Creditor" field for card name all the time, which can be freely entered instead of a selection. The database is rife with inaccuracies and misunderstandings IMHO.
@pa850 wrote:
This is an excellent report. I'm going to do it for my credit file as well. Thank you for sharing.
I'm happy to share my sheet if anyone wants it. It also counts down days/months, shows stats of my card list, and keeps a record of all the different scores.
