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Everyone make sure your TU's are ready to go..
That'll probably be the "flavor of the month" with pulls soon.
I've noticed with the double pull routine lately, that it's been majority EQ/EX for me.
@09Lexie wrote:
Waiting for your baddies and your new accounts to age is the best thing for you. Toy limits should not be your goal - letting your accounts mature and inqs to age will help a lot.
Exactly!!! Time to garden for a bit!!!
Major lenders typically pull across regional lines; this is highly dependant on both where you live now, and possibly where you've lived in the past.
If you already have an account from them, they can pull something else entirely (why not, better solution same money).
Try either whogavemecredit or google for 'credit pulls database', and do the research based on where you live. To be honest, this forum, while a wealth of information, isn't good for this particular question.
@Revelate wrote:Major lenders typically pull across regional lines; this is highly dependant on both where you live now, and possibly where you've lived in the past.
If you already have an account from them, they can pull something else entirely (why not, better solution same money).
Try either whogavemecredit or google for 'credit pulls database', and do the research based on where you live. To be honest, this forum, while a wealth of information, isn't good for this particular question.
And just as disclaimer.. Remember that both of the sites Rev mentions (and the second seems much better quality) are populated by individuals who decide to provide data, a very small sample of those applying for credit. So it's possible that while they show that applying for card X in state Y creates pulls to EQ, it's possible that this is really a minority, and in fact the majority of apps from state Y go to TU. Plus of course the CRA can change their pull strategies at any time. That said, these are the best sources we have, just don't be too surprised if something else happens!
@Anonymous wrote:
@Revelate wrote:Major lenders typically pull across regional lines; this is highly dependant on both where you live now, and possibly where you've lived in the past.
If you already have an account from them, they can pull something else entirely (why not, better solution same money).
Try either whogavemecredit or google for 'credit pulls database', and do the research based on where you live. To be honest, this forum, while a wealth of information, isn't good for this particular question.
And just as disclaimer.. Remember that both of the sites Rev mentions (and the second seems much better quality) are populated by individuals who decide to provide data, a very small sample of those applying for credit. So it's possible that while they show that applying for card X in state Y creates pulls to EQ, it's possible that this is really a minority, and in fact the majority of apps from state Y go to TU. Plus of course the CRA can change their pull strategies at any time. That said, these are the best sources we have, just don't be too surprised if something else happens!
Excellent point, though for the "major" lenders there's usually a large enough sample size to pull out meaningful data. When you find a lender that only has two entries in the databases, that's a hard one to really guage.
Also to get really geeky, I suspect national lenders (those that pull from all three bureaus) may occasionally throw a curve ball for quality control .
In reality, other than tradeline farms, typically there should be a better reason for applying for a credit card than what bureau they pull; I know the vast majority of cards I actually want, will pull EX for me. I have to be OK with that, I'd rather get inquiries stacked on my "most useful" bureau than to pickup cards which really don't do anything for me.
Initial build of credit perhaps excepted in a rebuilding scenario, as it's still unlikely even today that the bureaus are in sync with their reported data and occasionally that creates wild swings in resultant scores. Not always, my EQ looks way better than my other reports from an underwriting perspective and traditionally it's been the lowest of my scores as reported by lenders. Your mileage will vary.