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[Anonymous]

Ugh! I just checked my Experian, and I'm showing utilization on 3 cards plus my loan.  Total util is 6%.  All of the amounts shown are incorrect because the CCs haven't updated payments yet.  One of the 3 cards showing a balance was paid off 2 weeks ago, and I will PIF Amex on Thursday (although the statement already cut, but I'm under 10 percent on that card).  If I pay in full on Thursday and go for my CLI on Friday, will I be okay?

[taxi818]

But discover mostly pull Equifax.  I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal. 

[Closingracer99]

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@taxi818 wrote:

But discover mostly pull Equifax.  I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal. 

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Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app

[Skye12329]

They pulled EQ for me and i had about 60% util and was instant approved. They actually gave me my highest limit (4k) too, CSP just beat them though.

[Anonymous]

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@taxi818 wrote:

But discover mostly pull Equifax.  I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal. 

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Sorry Taxi,

I should have been clear.  I meant would I be okay for my Amex 3X CLI owing on 3 cards and my loan.  I changed my mind on Discover (I think) because I already have an inquiry on EQ from Citi....I had no idea they pulled EQ and EX.  I keep flip flopping on Discover from one week to the next, lol.  So between EQ and EX, I have 4 inqs total.  Don't want to chance another score drop right now.  Who knows, I may change my mind again after the outcome from Amex this week.

[Anonymous]

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@Closingracer99 wrote:

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@taxi818 wrote:

But discover mostly pull Equifax.  I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal. 

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Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app

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I've read they pull EQ and Trans.  These double and triple bureau pulling cards are killing me....

[Closingracer99]

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@Anonymous wrote:

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@Closingracer99 wrote:

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@taxi818 wrote:

But discover mostly pull Equifax.  I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal. 

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Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app

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I've read they pull EQ and Trans.  These double and triple bureau pulling cards are killing me....

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Discover never pulled my EQ... Better yet other then Citi nobody has really pulled my EQ 

[taxi818]

Then wherever you are located. i guess they don't like your eq :}

but for the rest of us. in the country. eq is getting pulled a lot. but i must say. i have more pulls on transunion. florida.

[Closingracer99]

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@taxi818 wrote:

Then wherever you are located. i guess they don't like your eq :}

but for the rest of us. in the country. eq is getting pulled a lot. but i must say. i have more pulls on transunion. florida.

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But who is the rest of us? It is more geological area that they decide I would assume and not because they don't like my EQ or etc.  I am in the North East and Discover has never pulled my EQ

[taxi818]

Hehehe. Joke dude. I understand. Regional for sure.