Sometimes, but not always. It means EX is the score on which they choose to base their decision, and that is the report on which the inquiry will appear.
However, some lenders may still soft pull your other two reports either at the time of application or at varying points throughout your relationship with them. A soft pull will not be seen by anyone, except you, and will not affect your score.
However, some lenders may still soft pull your other two reports either at the time of application or at varying points throughout your relationship with them. A soft pull will not be seen by anyone, except you, and will not affect your score.
Yes - as long as it's an auto-approval and isn't sent for manual review. And if it is an auto approval, should they decide to soft pull your other reports as part of an account review later, depending on the reason for the 45 point score difference, they could change your initial approval terms.
You can play that game and you may very well be successful - just be aware that things may go south at some point down the road.
You can play that game and you may very well be successful - just be aware that things may go south at some point down the road.
Amex & TD Bank only pull EX. As well as USAA...of course, with TD you have to be in their footprint and USAA you have to qualify for membership. I'm not sure of others that consistently only pull EX. Chase might, but they also may double pull EX and EQ. Citi & Disco might -- but they may also pull EQ - it's a crap shoot. There's a post around here somewhere that lists banks and what they pull... you'll have to search for it.
And if the only difference is the AU, then there shouldn't be an issue if a lender were to soft pull post-approval. The AU might be giving you a big age boost. I lost 30 points when my profile was really young and thin and my AU account was accidently removed from TU so...
