No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:Recently,
Disco-EX-new app w/reservation code.
FNBO Ducks-EX
USB-TU-new app cash+
Older 6-13 months
Barclays is TU (SP CLI)
Elan is TU (SP CLI)
Chase-EX only ***(twice, one pull each for 2 separate cards a month or so apart) edited***
Synch-TU (SP CLI)
Citi-EQ AND EX ***edited***
Disco-new app double pull EQ/EX
AmEx-EX
USB-TU
5/3-TU
BBT-EQ
Thanks for making this thread, you’re doing an awesome job, great wealth of info.
No problem! It wasn't until i discovered this site that I learned what a rebuild was and how to tackle it. I practically stalked this site. Now I'm on the other side and in a spot to be able to contribute - glad it helps! I'm not sure how I overlooked Barclays for the list - they are hardcore lovers with TU. I'll get them added on
@Anonymous wrote:
I got 2 Chase cards last year, a month or so apart. No prior relationship. Both times, single pull EX.
I must update Citi, tho..they double pulled EQ and EX, but I believe because they saw the 3 other recent inquiries before them. They were toward the end of the spree. Had prior relationship with Citi, tho and they had never double pulled me or went outside EQ.
Citi has always been consistent for me. I haven't applied for anywhere nears as many new cards as I did 2-3 years ago, but now that I've moved from FL to SC I am noticing that its a regional thing. In FL EX and TU seemed to be all that got beat up, but here in SC EQ is taking some punches. As always YMMV but still good to see the variances - serious credit nerd here lol
@credit_is_crack wrote:
I was surprised that your business card did not pull personal - mine certainly did. Unless you’re Business was under an LLC/INC setup? Mines under a sole prop - smaller, but legitimate side hustle lol
Oops!!! You're exactly right!! I miscounted and misspoke about that. I just went back and rechecked. (i have free Experian ID Notify membership right now and just looked at inquiries on last report they pulled but it was old. However, more recent inquiries were also reflected. I didn't add them all up. I went back and corrected my original posting to reflect.)
So yes, Chase pulled my EX scores for both business and personal account approvals.
My side hustle is small sole proprietorship ... no comment on legitimacy. Lol
@Aim_High wrote:
@credit_is_crack wrote:
I was surprised that your business card did not pull personal - mine certainly did. Unless you’re Business was under an LLC/INC setup? Mines under a sole prop - smaller, but legitimate side hustle lolOops!!! You're exactly right!! I miscounted and misspoke about that. I just went back and rechecked. (i have free Experian ID Notify membership right now and just looked at inquiries on last report they pulled but it was old. However, more recent inquiries were also reflected. I didn't add them all up. I went back and corrected my original posting to reflect.)
So yes, Chase pulled my EX scores for both business and personal account approvals.
My side hustle is small sole proprietorship ... no comment on legitimacy. Lol
So....Ummmm....
I know how to tell what CRA was pulled but where do I look to see what score was pulled?
@Lucifer wrote:So....Ummmm....
I know how to tell what CRA was pulled but where do I look to see what score was pulled?
Usually after you apply for something you'll get a letter called "The Price You Pay" and it will outline the CRA used and the score used for their decisions. At that points it's just a matter of matching up that figure with the reports you have.