US bank?

[Closingracer99]

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@j_casteel wrote:

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@Closingracer99 wrote:

I am thinking of applying for the US Bank + card that you have to apply in branch for by phone and wondering which CR do they pull? TU and EQ will probably be my only options for approvals since I have like 30 on my EX 

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Didn't you just have to recon for a BoA approval?

That right there is a sign you need to stop.

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Yes but that's because everybody pulls ex which was why I got declined lol. This won't be till basically 90% of my TU inqs fall off around December when I am maybe thinking of Apping for the card 

[baller4life]

OP did you see my post that they will see ALL your inqs from every bureau? Every single time you apped for a Visa or MC they will see it.

[-Wade-]

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@mongstradamus wrote:

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@Closingracer99 wrote:

I only have about 16 and a lot of them are over a year old on my TU report. If they pull TU I should be ok in a few months imo

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if they do an manual review is where you may have some issues i think . 

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For the cash+ it's 99.99% chance they will do a manual review! I had an 817 FICO score and they did it to me

[B335is]

I thought US Bank manually reviewed all cards?

[-Wade-]

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@B335is wrote:
I thought US Bank manually reviewed all cards?

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I can't answer that question ! I only have the cash+

[mongstradamus]

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@-Wade- wrote:

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@B335is wrote:
I thought US Bank manually reviewed all cards?

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I can't answer that question ! I only have the cash+

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Ultra conservative they are lol. I think i will have to wait till an bunch of my TU inq fall off so looking like maybe 2016 will be when i app for them lol .

Wade did they ask you about your TU inq ? 

[-Wade-]

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@mongstradamus wrote:

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@-Wade- wrote:

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@B335is wrote:
I thought US Bank manually reviewed all cards?

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I can't answer that question ! I only have the cash+

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Ultra conservative they are lol. I think i will have to wait till an bunch of my TU inq fall off so looking like maybe 2016 will be when i app for them lol .

Wade did they ask you about your TU inq ? 

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At the time of my app I had 0 inq on my TU report! Also that was the one they pulled

[-Wade-]

Again here's the phone # for app'ing 1-800-444-1244

[09Lexie]

Assuming that US Bank will pull the lesser of the three CRAs, assuming you freeze your ARS/IDA files, you will have issue with the new TLS appearing on all your crs. Also, with a new profile (less than 2 years AAOA) the chance of a manual review increases - IMO. 

Edit typo

[baller4life]

+1