Useful credit app information for the curious

[trix_r_4_kids]

Great post!!!  Thanks for sharing

[shorrttyycm1]

Thnx for info. ..very interesting.

[RTOrockstar]

GECRB will sometiimes pull Experian instead of TU but that appears to be a recent developement. My Old Navy card was an Experian pull and my wife's Walmart app was Experian. Both of those were in the last month.

[zerobacan]

Inqs

Many 4+

too many 11+

Thanks for the info, looks like you got your fingers really used by cliking in apps submit buttons

[creditjail]

thanks zerobacan

[enharu]

---

@zerobacan wrote:

Inqs

Many 4+

too many 11+

Thanks for the info, looks like you got your fingers really used by cliking in apps submit buttons

---

Another ray of hope for my US Bank App *_*

I'm sitting on 8-9 inquiries and I'm tempted to apply.

[Shyone44]

---

@RTOrockstar wrote:

GECRB will sometiimes pull Experian instead of TU but that appears to be a recent developement. My Old Navy card was an Experian pull and my wife's Walmart app was Experian. Both of those were in the last month.

---

This was true for me too. Walmart pulled EX for me here in Cali last month

[b_seeker]

Great info. Out of curiousity, how many inqs did all these apps cost you and over what time period?

[Anonymous]

Hard inquiries between February 16, 2013 and March 9, 2013:

EXPERIAN: 10 Hard Inquiries

EQUIFAX: 16 Hard Inquiries 

TRANSUNION: 7 Hard Inquiries

At the time of my successful (and unsuccessful) apps I had:

EXPERIAN: 1 UNPAID, closed collection [now removed from file after-the-fact] + 2 closed credit card accounts closed 9 years ago.

EQUIFAX: 1 PAID reposession - 2 years old [now removed from file after-the-fact] + 2 closed credit card accounts closed 9 years ago

TRANSUNION: 1 UNPAID, open collection + 2 closed credit card accounts closed 9 years ago [same collection that was listed on EXPERIAN - now this collection remains, but as "PAID" and "0" owed -- working to remove this currently]

Keep in mind that ALL of the informaiton that I listed in my OP is from the letters from the creditors themselves and information read directly from each of my current credit files (in other words, for example,I reported that Cap 1 pulled TWO different reports at the same time because they did. I also noticed that they only pulled one - a different one from the 2 they had already pulled - from another application).

I did post this in the "Rebuilding Credit" forum because I thought it was best for that forum - but the mods moved it here to "Credit Cards". So that's the reason as to why this thread is here...

[sybo40]

WOW!  (***STANDING OVATION!!***)  THIS will certainly help me remain in the DIRT with gardening!  VERY useful info. Thank you sooooooooo much for sharing this!  And I agree that this will help those of us that are still in the rebuilding stages as well!