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Which Report Will They Pull, Part 2

credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@IaBoy62 wrote:

@credit_is_crack   Azura Credit Union used TU 9 Auto Score to approve my credit card application in Kansas!!....they serve northeastern Kansas and a few select employee groups.


Thanks @IaBoy62 

 

That's something special for them to use a TU auto score for a credit card app, unless you had applied for a car first and then they used the same pull for the card as well. Congrats!

Message 41 of 94
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

Grid Updated

 

Message 42 of 94
Dinosaur
Moderator Emeritus

Re: Which Report Will They Pull, Part II

@credit_is_crack

Awesome work!!! Smiley Happy
Starting Score: 850
Current Score: 850
Goal Score: 850

Take the myFICO Fitness Challenge
Message 43 of 94
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@Dinosaur wrote:
@credit_is_crack

Awesome work!!! Smiley Happy

Thanks @Dinosaur 

 

"Giving back thru the act of service" is engrained in me Smiley Happy

Message 44 of 94
IaBoy62
Established Contributor

Re: Which Report Will They Pull, Part II

@credit_is_crack    I thought that odd as well as I did not app for car loan...got me their lowest interest rate on the card though!

I might call them one of these days to find out if that is their go-to score model for everything.

Message 45 of 94
Kandle
New Member

Re: Which Report Will They Pull, Part II

@credit_is_crack 

state: IN

citi pulled EX, sep 2021

Message 46 of 94
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

Grid Updated 9/19/21

 

Thanks for the page @Taurus22 on the thread. I added the items we didn't have already on the grid.  

Message 47 of 94
Oops_I_Did_It_Again
Regular Contributor

Re: Which Report Will They Pull, Part II

I don't see much info on Kentucky so I thought it might be helpful to report

 

Citibank (first citibank cc, pre-screened invite mailer): single pull TU

Regions Cash Rewards: TU

BofA EX

Chase TU  (cold app, single pull only)

Sychrony Amazon Store Card: TU

Sychrony Pay Pal MC: TU (Dec 2019)

PenFed PC: EQ F9

Goldman (Apple Card pre-approval) TU Fico9 SPs. Have not completed application, but TU HP likely.

American Express: Cash Magnet (pre-screened invite, first card): HP EX, second card SP-only EX

Discover BT (cold app): TU

Discover IT No 2. (on-line pre-approval & app) EX

Wells Fargo on-line pre-screened approval SP EQ or EX (not sure but with TU frozen).  Have not completed application.

Credit Profile (May 21, 2022)
F8 EX 760 EQ 763, TU 755, F8 BC EX 777, EQ BC 770, F9 TU 764, F2 Mrtg 777
TCL: $93,600, reporting available: $82,800/$83,600
utilization: 1%, no loans, AZEO ($800/$5000)
pre-tax income 4.1K/m, housing $719.00/m, debt service $35/m, DTI 1 pct
AoOA 4Y 0M, AAoA 2Y 3M, AoYA 7M
new accounts 5/24, 2/12, 0/6, 0/3, INQs 12 months EX 1, EQ 0, TU 1

Personal Cards (13)
Bank of America CCR 16K, American Express BCE 1K/CM 15K, Synchrony PPMC 10K / Amazon 5K, GS Apple Card (MC) 4K
Citibank DoubleCash 10K, Discover IT 5K/BT 3K, Regions Cash Rewards Vsig 7K, Wells Fargo AC 6K, CapOne QS 3K/QS $500.00

Business Cards (1)
American Express BBC 10K

Pre-screened offers
Chase Amazon Visa, PNC Core, PNC Cashback, Amex (Platinum, Gold, Green, etc)
Capital One Savor One no annual fee, Quicksilver no fee, Walmart MC
BofA 'deals for you' offers: CB Unlimited, Travel, BankAmericard
Truist Cards (5) Citibank Rewards+, Synchrony Walgreens MC $500 limit!
pre-denials
FNBO, Citibank (online)
most desired
Penfed Gold, Chase Amazon Visa, Aspiration Zero, WF Reflect, Amex Green
BofA BankAmericard, Citibank Premier
Gardening since Nov 10/2021, till June 10/2022 (I'll be 4/24)
Message 48 of 94
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

Grid Updated:

 

Thanks for the data points @Oops_I_Did_It_Again and good luck on the Apple and Wells Fargo apps if you go forward with them! 

Message 49 of 94
Oops_I_Did_It_Again
Regular Contributor

Re: Which Report Will They Pull, Part II

 

Yes @credit_is_crack you deciphered my intentions very cleverly.  But don't tell anyone! Smiley Wink

 


@credit_is_crack wrote:

Thanks for the data points @Oops_I_Did_It_Again and good luck on the Apple and Wells Fargo apps if you go forward with them! 


 

Credit Profile (May 21, 2022)
F8 EX 760 EQ 763, TU 755, F8 BC EX 777, EQ BC 770, F9 TU 764, F2 Mrtg 777
TCL: $93,600, reporting available: $82,800/$83,600
utilization: 1%, no loans, AZEO ($800/$5000)
pre-tax income 4.1K/m, housing $719.00/m, debt service $35/m, DTI 1 pct
AoOA 4Y 0M, AAoA 2Y 3M, AoYA 7M
new accounts 5/24, 2/12, 0/6, 0/3, INQs 12 months EX 1, EQ 0, TU 1

Personal Cards (13)
Bank of America CCR 16K, American Express BCE 1K/CM 15K, Synchrony PPMC 10K / Amazon 5K, GS Apple Card (MC) 4K
Citibank DoubleCash 10K, Discover IT 5K/BT 3K, Regions Cash Rewards Vsig 7K, Wells Fargo AC 6K, CapOne QS 3K/QS $500.00

Business Cards (1)
American Express BBC 10K

Pre-screened offers
Chase Amazon Visa, PNC Core, PNC Cashback, Amex (Platinum, Gold, Green, etc)
Capital One Savor One no annual fee, Quicksilver no fee, Walmart MC
BofA 'deals for you' offers: CB Unlimited, Travel, BankAmericard
Truist Cards (5) Citibank Rewards+, Synchrony Walgreens MC $500 limit!
pre-denials
FNBO, Citibank (online)
most desired
Penfed Gold, Chase Amazon Visa, Aspiration Zero, WF Reflect, Amex Green
BofA BankAmericard, Citibank Premier
Gardening since Nov 10/2021, till June 10/2022 (I'll be 4/24)
Message 50 of 94
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