@Anonymous wrote:
@persistent98 wrote:
I'm from TX and applied for this card earlier this week and was declined. They pulled Experian, my score with them is s 660, but i have a charge off from MCM and an old bank checking acct. Need to get those off and they said they'll approve.that's always weird to me. bluetengel gets a TU pull, but you get the usual Experian pull; and you're both in the same state. I wonder what the difference is between you two that you would get the usual, while bluetengel would get the exception?
i live next door to you both, and Citi told me this summer that they absolutely positively would not pull anything except Experian (which I had frozen, they didn't bother to check Equifax or Transunion, which were not, either by computer or by live CSR).
people do a lot of things to try to figure out FICO; has anyone ever gotten close to figuring out how banks choose pulls? or does anyone work on the inside and can give that information? or explain why they'd get in trouble if it were released how they choose which pulls?
When I applied with Citi earlier this month, they pulled Equifax. I have an EQ curse though. Everyone pulls EQ on me so EQ has like 6-7 inqs and TU and EX have 1-2 each 