Discover, CSP & Barclay's Pulled Following:

[ScarletFever]

App'd three times within a week: I'm located in New Jersey: Barclays Ring pulled TU, and, hit bureaus almost immediately with CL including on CK. Inq appeared on Credit.com . Chase Sapphire Preferred pulled Equifax and Experian. Oddly enough, Credit Karma Equifax rose one point after Barclay's reported new account, after dropping four points following inq. Discover IT pulled Equifax. That inq hit Mint.Com next day, as did CSP after apping that card. I can't ever remember Equifax figuring prominently in apps!

[Anonymous]

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@ScarletFever wrote:

App'd three times within a week: I'm located in New Jersey: Barclays Ring pulled TU, and, hit bureaus almost immediately with CL including on CK. Inq appeared on Credit.com . Chase Sapphire Preferred pulled Equifax and Experian. Oddly enough, Credit Karma Equifax rose one point after Barclay's reported new account, after dropping four points following inq. Discover IT pulled Equifax. That inq hit Mint.Com next day, as did CSP after apping that card. I can't ever remember Equifax figuring prominently in apps!

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Good info.. Thanks.

[Anonymous]

Equifax almost always gets pulled by Discover for any of their cards.  Same with Barclays and TU.  Chase varies.  I took a SP on TU when I prequaled for the Freedom, but they also pulled Experian, and they are Experian pullers for all their cards (in my area anyway).  

[FocusedAndDetermined]

What part of Jersey are you in?  I'm in the north, and Discover pulled TU for me in 3/2013.

[ScarletFever]

Moved to Ocean Grove from Montclair about four years ago.

[FocusedAndDetermined]

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@ScarletFever wrote:

Moved to Ocean Grove from Montclair about four years ago.

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Got it!  Have a few buddies in Montclair.

Last year when I checked Credit Pulls, I noticed that several CCCs pull TU/EX in the north but EQ for the southern part of the state. Curious what the reasoning is for the difference.

[Revelate]

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@FocusedAndDetermined wrote:

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@ScarletFever wrote:

Moved to Ocean Grove from Montclair about four years ago.

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Got it!  Have a few buddies in Montclair.

Last year when I checked Credit Pulls, I noticed that several CCCs pull TU/EX in the north but EQ for the southern part of the state. Curious what the reasoning is for the difference.

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If I had to make a guess, historically the number of military personel and federal government types living / working in the southern end of the state.

Not certain on the TU/EX linkage though these days I suspect it's mostly whatever is cheapest for a modern lender; certainly the aforementioned Chase pulls EX nearly exclusively with me, but I occasionally get a EQ SP when they're bored with seeing my Experian file apparently.

If costs were equal, for a given customer I'd rotate bureaus if I were designing a system personally... not all issues show up on all three reports though I suspect if we looked at reports over time they're way more consistent between the 3 bureaus now than they were call it two decades ago.

[JSS3]

So Chase is a double puller all the time? I thought they double pulled me because I was new to credit(borderline approval). Looking at the OP, I doubt with those lines, that he's new to credit. This is just their standard policy like triple pulling is Capital ones'....?

Edit: Just saw Revelates post.

[FocusedAndDetermined]

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@Revelate wrote:

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@FocusedAndDetermined wrote:

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@ScarletFever wrote:

Moved to Ocean Grove from Montclair about four years ago.

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Got it!  Have a few buddies in Montclair.

Last year when I checked Credit Pulls, I noticed that several CCCs pull TU/EX in the north but EQ for the southern part of the state. Curious what the reasoning is for the difference.

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If I had to make a guess, historically the number of military personel and federal government types living / working in the southern end of the state.

Not certain on the TU/EX linkage though these days I suspect it's mostly whatever is cheapest for a modern lender; certainly the aforementioned Chase pulls EX nearly exclusively with me, but I occasionally get a EQ SP when they're bored with seeing my Experian file apparently.

If costs were equal, for a given customer I'd rotate bureaus if I were designing a system personally... not all issues show up on all three reports though I suspect if we looked at reports over time they're way more consistent between the 3 bureaus now than they were call it two decades ago.

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LOL!

Agree witht he rotating bureaus for seeing complete picture.  Perhaps that's why Cap 1 pulls all 3 for apps. Seems no creditor likes EQ for north Jersey - that report has been totally inq free for as long as I can remember.

[chalupaman]

Chase has double pulled me on Freedom. Everything else has been on EQ solely.