Any way to ask for a different CRA?

[MarineVietVet]

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@TheGardner wrote:

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@Anonymous wrote:

The EX report is accurate, but I would say not representative. When a lender pulls a report they assume that it is representative of your overall credit situation. In this case I would argue it is not. It is accurate though, which is why I think freezing would be kind of unethical. 

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This is actually perfectly representative if all inq are on 1 report.. Anyone who pulls the other 2 will be getting the less representative picture. 

This is overblown anyway, inq only count up to a certain number after that no additional fico effects are seen. New accounts will continue to ding though. If you have a good profile inq will not stop approvals (see Ron1). 

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Do you have a source for that?

[Anonymous]

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@Anonymous wrote:

The EX report is accurate, but I would say not representative. When a lender pulls a report they assume that it is representative of your overall credit situation. In this case I would argue it is not. It is accurate though, which is why I think freezing would be kind of unethical. 

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Again. I disagree.

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@MarineVietVet wrote:

Do you have a source for that?

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My score stopped dropping once my INQ's got past 8. Maybe it's the lower overall UTL compensating though!

YMMV.

[TheGardner]

No official sources no, I will tell you my scores stopped dropping on score watch after inq now.

Ron1 still has high scores and plenty of approvals with all his lol.

Amex HP me 3 days in a row while trying to add AUs and no score drops at all.

[lg8302ch]

OP 

if not for all Chase double pulls I would be in the same situation like you but like this EX and EQ are pretty equally filled with Chase pulls.  For CLI Discover would be flexible as they offered me the CRA of my choice but I preferred to wait for a SP CLI instead. Barclays is a TU puller and CLI with BofA are TU...that is how I leveled out ..lol

[Anonymous]

The deep freezer is a great place for EXP

After NFCU pulls recently, my EQ got tossed in there alongside my EXP!

[Anonymous]

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@Anonymous wrote:

The deep freezer is a great place for EXP

After NFCU pulls recently, my EQ got tossed in there alongside my EXP!

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EQ needs not be frozen if you're savvy.

[Anonymous]

Do share!

[Anonymous]

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@NRB525 wrote:

OP, can you update your siggy with which cards you have and perhaps their age? And for clarification (maybe I missed the comment) are you getting denials, and then is it because of the number of inquiries, or you're just concerned about the number in general?

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I never got a denial. Was just generally concerned about the number in general. I make quite a bit of money from credit card rewards lately, so a denial would have a pretty high opportunity cost. 

[Anonymous]

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@Anonymous wrote:

Do share!

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Not on this post as it is....."borderline unethical"?

There are plenty of reading materials on it though on sites like CB.

[MarineVietVet]

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@Anonymous wrote:

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@Anonymous wrote:

Do share!

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Not on this post as it is....."borderline unethical"?

There are plenty of reading materials on it though on sites like CB.

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I would put it this way: borderline unethical.