@Anonymous wrote:
Anyone have any insight on my original question?
Well, I don't think it happens all that often.
When American Express does this, it's because they're not satisfied with the EX report alone. Maybe you have a thin file (not many accounts), and they want to look at another to see if there's more stuff there, specifically negatives. One of the mods once had two pulled for either AmEx or Discover (can't remember which), because the address on the first report was wrong, and the lender wanted to confirm it with a second report. He was particularly irate because he'd been trying to get the first CRA to stop listing the wrong address.
Nearly all CCC's pull just one, with the exception of dear Cap One. So for those who pull a second one, as described above, they're mainly looking for confirmation that the first report was an accurate picture of the applicant's credit.
In other words, I don't think it's a case of mmm-bwah-ha-ha, let's find the worst report and go with it. But reading the minds of CCC's is just guessing, in the end, although entertaining.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
