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DansDeals Forum => Credit Cards And Finance => Topic started by: Dan on March 24, 2011, 10:32:45 PM

Title: Where Did Your Inquiries Pull From?
Post by: Dan on March 24, 2011, 10:32:45 PM
Ohio:
AMEX: Experian
Capital One: Pulled from all 3 bureaus.
Chase Credit Cards: Transunion
Chase Banking: Experian
Citi (Consumer and CBSD/Business): Experian
Discover: Equifax
Elavon credit card processing: Equifax
FIA (BOFA): Experian
Barclay: Transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on March 24, 2011, 10:33:38 PM
luckily your area is well balanced in nj I think most of them hit experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 24, 2011, 11:37:11 PM
Chase does a hard pull for bank accounts?
Title: Re: Where Did Your Inquiries Pull From?
Post by: BAHayman on March 24, 2011, 11:59:28 PM
New York:

Amex: Experian
Citi: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on March 25, 2011, 10:43:42 AM
Nobody else has a credit report to look at to post where their inquiries come from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on March 25, 2011, 10:43:58 AM
Chase does a hard pull for bank accounts?
Apparently.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 25, 2011, 10:56:23 AM
that's weird, because when I opened my account I specifically asked if it will make a hard pull and she said no, its a bank account, not a credit card account...
Title: Re: Where Did Your Inquiries Pull From?
Post by: elikay on March 25, 2011, 10:56:32 AM
I believe c schwab does too.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on March 25, 2011, 10:59:24 AM
that's weird, because when I opened my account I specifically asked if it will make a hard pull and she said no, its a bank account, not a credit card account...
The person you asked was obviously biased...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 25, 2011, 11:02:14 AM
one would think that if u have a question about a chase bank account, the best place to ask it would be in a chase bank. obviously not.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on March 25, 2011, 11:05:02 AM
one would think that if u have a question about a chase bank account, the best place to ask it would be in a chase bank. obviously not.
These are the same people that tell you if you close your account within 6 months that they will take the miles back.
It's all about commissions!
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on March 25, 2011, 11:47:07 AM
I will reply later I'm not home to look at my account
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on March 25, 2011, 03:25:33 PM
citi: equifax
amex: experian
chase banking: trans union
chase credit card: equifax
Title: Re: Where Did Your Inquiries Pull From?
Post by: HSS on March 25, 2011, 03:52:56 PM
My last report from 3/08/2011 has in past 24 months:

Equifax: 2 inquiries (BB&T Bank didnt realize that one was hard pull o well, Chase Bank)
Experian: 11 Inquiries (3 AMEX, 2 CBSD, 2 Chase, 4 CITI) - I guess CBSD is CitiBusiness Cards only thing that makes sense
Transunion: 0 Inquiries
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 25, 2011, 04:01:24 PM
My last report from 3/08/2011 has in past 24 months:

Equifax: 2 inquiries (BB&T Bank didnt realize that one was hard pull o well, Chase Bank)
Experian: 11 Inquiries (3 AMEX, 2 CBSD, 2 Chase, 4 CITI) - I guess CBSD is CitiBusiness Cards only thing that makes sense
Transunion: 0 Inquiries


Make sure you don't have any fraud-alert/blocks on any of your reports. It could be when they try to hit Equifax and/or TU they get blocked out so they hit Experian...
Title: Re: Where Did Your Inquiries Pull From?
Post by: netzih on March 25, 2011, 05:31:52 PM
Citi: equifax
Bofa: experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on March 25, 2011, 06:28:35 PM
citi: equifax
amex: experian
chase banking: trans union
chase credit card: equifax
My last report from 3/08/2011 has in past 24 months:

Equifax: 2 inquiries (BB&T Bank didnt realize that one was hard pull o well, Chase Bank)
Experian: 11 Inquiries (3 AMEX, 2 CBSD, 2 Chase, 4 CITI) - I guess CBSD is CitiBusiness Cards only thing that makes sense
Transunion: 0 Inquiries


Citi: equifax
Bofa: experian
Guys, write the states!

Title: Re: Where Did Your Inquiries Pull From?
Post by: aussiebochur on March 25, 2011, 06:38:59 PM
Guys, write the states!


Boro Park, Lakewood etc...;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: netzih on March 25, 2011, 08:14:41 PM
Guys, write the states!
i did them both online (bofa from my ny online acct) and citi online without a acct in los angeles
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on March 26, 2011, 08:06:30 PM
Guys, write the states!


new york
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on March 26, 2011, 10:10:41 PM
im from illinois

Equifax=All my citi apps
Experian= 2 amex and 2 chase
Transunion= 3 chase (came up as first usa)

This was all within the past year
Title: Re: Where Did Your Inquiries Pull From?
Post by: karen on March 26, 2011, 10:19:22 PM
MA:

Experian= All amex, chase (as first USA) and chase bank
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 27, 2011, 01:07:07 AM
im from illinois

Equifax=All my citi apps
Experian= 2 amex and 2 chase
Transunion= 3 chase (came up as first usa)

This was all within the past year

Any idea if some of those chase are from CC and some from bank accounts?

MA:

Experian= All amex, chase (as first USA) and chase bank

TU and Equfax clear?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Devorah on March 27, 2011, 03:07:49 AM
CO
Only have access to Experian - Capital One, Amex, Chase, Citi - reg and bus
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on March 27, 2011, 09:40:58 AM
Any idea if some of those chase are from CC and some from bank accounts?

Not sure.. Does a bank a account show up differently on the cr than a credit card pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: karen on March 27, 2011, 03:41:45 PM
MA:

Experian= All amex, chase (as first USA) and chase bank

BTW, no access to TU and Equfax report
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 30, 2011, 08:31:54 PM
NY state:

Amex: Experian (three browser trick confirmed, at least for me)
Bank of America: TransUnion
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Equifax (three browser trick confirmed, though it seems biz card was a separate pull), both personal and biz pulls
Discover: TransUnion
SimmondsFirst: TransUnion

Summary

Citi's the only one that pulled Equifax.
Amex and Chase both pulled Experian. (my score is 30 points lower here because of all the pulls)
Others pulled TransUnion
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 30, 2011, 08:35:03 PM
this is the report I was waiting for, thanx.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 30, 2011, 08:43:45 PM
@AsherO
JW... Which credit monitor is that report from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yisha on March 30, 2011, 09:38:54 PM
NY

Master Card Pulled my equifax
AMEX & Chase: same as above
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 30, 2011, 09:58:01 PM
master card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yisha on March 30, 2011, 10:04:31 PM
I got a offer in the mail I don't remember from witch bank it was, and when I checked my report I found Master Card pulled equifax ..... I just don't know what to tell you ...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 30, 2011, 11:22:13 PM
this is the report I was waiting for, thanx.

YW

@AsherO
JW... Which credit monitor is that report from?

Identity Monitor, why?
NY

Master Card Pulled my equifax
AMEX & Chase: same as above


Amex/Chase from Experian? Does your report actually say 'Master Card'?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 30, 2011, 11:25:58 PM
BTW the reason I was waiting for your report is bc I was waiting for a NY state, full and detailed report, which is what u gave.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 30, 2011, 11:40:04 PM
BTW the reason I was waiting for your report is bc I was waiting for a NY state, full and detailed report, which is what u gave.

I think the issuers generally go by state, but there are (often enough) exceptions.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 30, 2011, 11:42:59 PM
would u think that each issuer (per state) has its report that it checks and if it can't access it for what ever reason, it'll go to a different one?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yisha on March 30, 2011, 11:44:12 PM
Sorry I just double checked my equifax report Dated 3/28/11 and it shows:

American Express TRS CO
Citi Bank
Discover Financial Services
FIA CSNA

AMEX shows only one time even thought they pulled more then 1 time in the past 2 years

(I mixed up Master with Discover sorry it was my mistake)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on March 30, 2011, 11:46:04 PM
ahha, that makes more sense...
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 31, 2011, 01:31:46 AM
Identity Monitor, why?
Because I remember seeing in a different thread that you were looking for something other than citi for a decent price and was wondering if you found one...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 31, 2011, 01:33:35 AM
Because I remember seeing in a different thread that you were looking for something other than citi for a decent price and was wondering if you found one...

I don't mind Citi, so long as it's a low fixed price ($5 or less each month) and I don't need to cancel and renew it each month.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 31, 2011, 01:36:32 AM
I don't mind Citi, so long as it's a low fixed price ($5 or less each month) and I don't need to cancel and renew it each month.
Isn't Citi $12.95 a month after the 1st tho?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 31, 2011, 01:38:35 AM
Isn't Citi $12.95 a month after the 1st tho?

They have all kinds of promotions. I remember hearing from someone she has credit monitoring at around that price, and I'm pretty sure it's through Citi.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 31, 2011, 01:41:22 AM
That's great, I'd love to find a promotion for Citi at $5 a month. The whole cancelling thing gets annoying, then you forget....
Title: Re: Where Did Your Inquiries Pull From?
Post by: aussiebochur on March 31, 2011, 02:40:49 AM
I got it down to $6.95 and then got them to send me $10 gift cards every month I keep it for the next 6 months.
Don't mind being paid for credit monitoring  ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 31, 2011, 02:53:04 AM
I got it down to $6.95 and then got them to send me $10 gift cards every month I keep it for the next 6 months.
Don't mind being paid for credit monitoring  ;D

Giftcards to where?

Here (http://www.identitymonitor.citi.com/index.aspx?source=IMN00291)'s a $4.95 link, methinks it's officially for Citi employees... I just realized the Citi IM service only includes one refresh a month.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aussiebochur on March 31, 2011, 02:58:49 AM
Giftcards to where?

Here (http://www.identitymonitor.citi.com/index.aspx?source=IMN00291)'s a $4.95 link, methinks it's officially for Citi employees... I just realized the Citi IM service only includes one refresh a month.
Anywhere Mastercard is accepted.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 31, 2011, 03:00:26 AM
Anywhere Mastercard is excepted.

Accepted :P Hmmm, so they just offer you a $10 GC? Is there something you have to say?
Title: Re: Where Did Your Inquiries Pull From?
Post by: aussiebochur on March 31, 2011, 03:06:22 AM
Accepted :P Hmmm, so they just offer you a $10 GC? Is there something you have to say?
Thanks, just trying to get used to "Swype" and I'm not very good...

Say you want to cancel.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 31, 2011, 03:10:53 AM
Here (http://www.identitymonitor.citi.com/index.aspx?source=IMN00291)'s a $4.95 link, methinks it's officially for Citi employees... I just realized the Citi IM service only includes one refresh a month.
Wow and it was right there in Google drop down menu the whole time... That's worth it... you just don't seem to get the 1st month for $1 ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on March 31, 2011, 03:20:43 AM
Thanks, just trying to get used to "Swype" and I'm not very good...
Good luck! It takes some time, but once you get used to it, it's amazing. I type faster with "Swype" than I used to on my BB.
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on March 31, 2011, 11:57:40 AM
NY state:

Amex: Experian (three browser trick confirmed, at least for me)
Bank of America: TransUnion
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Equifax (three browser trick confirmed, though it seems biz card was a separate pull), both personal and biz pulls
Discover: TransUnion
SimmondsFirst: TransUnion

Summary

Citi's the only one that pulled Equifax.
Amex and Chase both pulled Experian. (my score is 30 points lower here because of all the pulls)
Others pulled TransUnion
are u sure ur chase pulled from experian my chase in ny pulled from equifax. it was in 2009 so it might have changed but....
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 31, 2011, 12:31:54 PM
are u sure ur chase pulled from experian my chase in ny pulled from equifax. it was in 2009 so it might have changed but....

I'm 100% sure. I don't believe the "bank and state" rule anyway (or at least it has lots of exceptions).
Title: Re: Where Did Your Inquiries Pull From?
Post by: HSS on April 01, 2011, 12:38:23 AM
My last report from 3/08/2011 has in past 24 months:

Equifax: 2 inquiries (BB&T Bank didnt realize that one was hard pull o well, Chase Bank)
Experian: 11 Inquiries (3 AMEX, 2 CBSD, 2 Chase, 4 CITI) - I guess CBSD is CitiBusiness Cards only thing that makes sense
Transunion: 0 Inquiries

Guys, write the states!



NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: scwam on April 01, 2011, 01:34:20 AM
My last report from 3/08/2011 has in past 24 months:

Equifax: 2 inquiries (BB&T Bank didnt realize that one was hard pull o well, Chase Bank)
Experian: 11 Inquiries (3 AMEX, 2 CBSD, 2 Chase, 4 CITI) - I guess CBSD is CitiBusiness Cards only thing that makes sense
Transunion: 0 Inquiries

BB&T is still doing double hard pulls, let me guess, within days of each other right? I had to get corporate involved in this to get one of mine deleted because they denied what I kept telling them until I threw it in their face. Nearly 2 years later they still haven't fixed that huh?

FL
Amex: Experian
Bank of Am: Experian
Capital One: All 3
Citi Business: Experian
Citi Personal: Experian

AT&T : Equifax (unauthorized)
BB&T: Equifax
Chase: Equifax
PenFed: Equifax
Title: Re: Where Did Your Inquiries Pull From?
Post by: elig770 on April 01, 2011, 04:32:58 AM
California

Amex: Experian (1 hit applying for Gold and Platinum :) )
BofA: TransUnion and Experian
Chase: Experian
Citi: Experian

Title: Re: Where Did Your Inquiries Pull From?
Post by: yaakov s on April 06, 2011, 02:55:31 PM
State NJ
03/11
Amex Plat - Experian
Amex Gold - Experian( should of done them together)
Citi - Experian
01/11
Citi -Experian
08/10
Chase CO - Experian
Citi - Experian
07/10
Amex SPG - Experian

Whats going on over here cant they spread it around a little bit  :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on April 06, 2011, 03:00:33 PM
NY state:

Amex: Experian (three browser trick confirmed, at least for me)
Bank of America: TransUnion
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Equifax (three browser trick confirmed, though it seems biz card was a separate pull), both personal and biz pulls
Discover: TransUnion
SimmondsFirst: TransUnion

Summary

Citi's the only one that pulled Equifax.
Amex and Chase both pulled Experian. (my score is 30 points lower here because of all the pulls)
Others pulled TransUnion

Update:

NY state:

Amex: Experian (three browser trick confirmed, at least for me)
Bank of America: TransUnion
>>Barclays: TransUnion (browser trick didn't work, two apps two pulls)
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Equifax (three browser trick confirmed, though it seems biz card was a separate pull), both personal and biz pulls
Discover: TransUnion
SimmondsFirst: TransUnion

Summary

Citi's the only one that pulled Equifax.
Amex and Chase both pulled Experian. (my score is 30 points lower here because of all the pulls)
Others pulled TransUnion
Title: Re: Where Did Your Inquiries Pull From?
Post by: LAXtraveler on April 06, 2011, 03:01:56 PM
Assuming all 5 of my pulls in the last 12 months are from Experian, should I take a break for a while on applying for anything new?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on April 06, 2011, 03:04:20 PM
State NJ
03/11
Amex Plat - Experian
Amex Gold - Experian( should of done them together)
Citi - Experian
01/11
Citi -Experian
08/10
Chase CO - Experian
Citi - Experian
07/10
Amex SPG - Experian

Whats going on over here cant they spread it around a little bit  :)
Even more punishment for living in NJ!
Try freezing Experian and see what happens.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yaakov s on April 06, 2011, 03:17:05 PM
Even more punishment for living in NJ!
Try freezing Experian and see what happens.
Do you have any concrete experience with a freeze working
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on April 06, 2011, 03:22:11 PM
Do you have any concrete experience with a freeze working
Never tried it as OH has a good mix of pulls. It's the NJ guys that really need to try it!
Title: Re: Where Did Your Inquiries Pull From?
Post by: yaakov s on April 06, 2011, 03:24:45 PM
Never tried it as OH has a good mix of pulls. It's the NJ guys that really need to try it!
or move to Cleveland save myself 2k a month in mortgage and property taxes and then i wont even need miles . I would pay for everything :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on April 06, 2011, 03:32:29 PM
or move to Cleveland save myself 2k a month in mortgage and property taxes and then i wont even need miles . I would pay for everything :)
Yaya
Title: Re: Where Did Your Inquiries Pull From?
Post by: LAXtraveler on April 06, 2011, 03:34:28 PM
Just got my identity monitor full 3-1 report.

Chase, Citi and Amex all pulled from Experian in the last 12 months of applications.

5 hard pulls!
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on April 06, 2011, 03:38:40 PM
Just got my identity monitor full 3-1 report.

Chase, Citi and Amex all pulled from Experian in the last 12 months of applications.

5 hard pulls!
IN LA?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LAXtraveler on April 06, 2011, 03:46:34 PM
IN LA?

Yup.
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on April 06, 2011, 03:52:42 PM
Never tried it as OH has a good mix of pulls. It's the NJ guys that really need to try it!
looks like the cali people need it also
Just got my identity monitor full 3-1 report.

Chase, Citi and Amex all pulled from Experian in the last 12 months of applications.

5 hard pulls!
Title: Re: Where Did Your Inquiries Pull From?
Post by: af725 on April 06, 2011, 04:48:17 PM
Ohio:
AMEX: Experian
Capital One: Pulled from all 3 bureaus.
Chase Credit Cards: Transunion
Chase Banking: Experian
Citi (Consumer and CBSD/Business): Experian
Discover: Equifax
Elavon credit card processing: Equifax
FIA (BOFA): Experian
Barclay: Transunion

Hard pulls from one bureau doesnt affect the others?
Title: Re: Where Did Your Inquiries Pull From?
Post by: scwam on April 06, 2011, 10:19:55 PM
No, they are independent of each other, but who knows how the 3 pull C1 views this.
How do you do this 3 browser method with chase? Submit exactly at the same time? Use different browser companies like firefox and IExplorer? Clear cache before submitting 2nd app?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on April 06, 2011, 10:54:20 PM
Use different browser companies like firefox and IExplorer?
+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on April 07, 2011, 11:10:25 AM
citi: equifax
amex: experian
chase banking: trans union
chase credit card: equifax
update chase credit card pulled form experian this time that chase app was about a year old so.......
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on April 22, 2011, 09:03:04 PM
I got it down to $6.95 and then got them to send me $10 gift cards every month I keep it for the next 6 months.
Don't mind being paid for credit monitoring  ;D
Same thing happened to me. i called to cancel and the guy asked me why, so i said it's too expensive, so he said he can bring it down to 6.95 so i said it's still too expensive so he said he'll send me MC giftcards of $10 for the next 5 months, if i take it, and i can cancel at any time.
so im being paid to take it for the next five months, and then i'll probably cancel it ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: scwam on April 23, 2011, 11:55:16 AM
Same thing happened to me. i called to cancel and the guy asked me why, so i said it's too expensive, so he said he can bring it down to 6.95 so i said it's still too expensive so he said he'll send me MC giftcards of $10 for the next 5 months, if i take it, and i can cancel at any time.
so im being paid to take it for the next five months, and then i'll probably cancel it ;D

Which CRA is this Citi-monitor pulling from? Is it only 1 pull per month?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on April 23, 2011, 09:53:42 PM
Which CRA is this Citi-monitor pulling from? Is it only 1 pull per month?

1 pull a month, you need to do the free 'upgrade' to all three bureaus, so you can get all three reports for that one price.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on April 23, 2011, 10:12:21 PM
1 pull a month, you need to do the free 'upgrade' to all three bureaus, so you can get all three reports for that one price.

Is it 1 pull per month -or once per membership? Meaning, if I sign up and cancel once per week (costing me $1 each time) will they pull again each time or will they realize that pulled within the last 30 days? Thanx
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on April 23, 2011, 10:55:57 PM
Is it 1 pull per month -or once per membership? Meaning, if I sign up and cancel once per week (costing me $1 each time) will they pull again each time or will they realize that pulled within the last 30 days? Thanx

I'm not sure, you're welcome to try. I do know that sometimes pulls fail and they take a few days to retry, that's happened to me recently.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on April 23, 2011, 11:11:52 PM
I'm not sure, you're welcome to try. I do know that sometimes pulls fail and they take a few days to retry, that's happened to me recently.

K I just signed up a few days ago so i'm going to wait another little bit till I try it. I'll let you know wat happens.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on May 03, 2011, 12:12:56 AM
I got it down to $6.95 and then got them to send me $10 gift cards every month I keep it for the next 6 months.
Don't mind being paid for credit monitoring  ;D

Are you still getting all three bureaus with the $6.95?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on May 03, 2011, 02:39:43 PM
I was offered the same thing ($6.95 & GCs) and the guy told me its only for experian.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on May 03, 2011, 04:10:32 PM
I was offered the same thing ($6.95 & GCs) and the guy told me its only for experian.

Me too (technically I was only offered the GCs, and I asked about the $6.95 so he said I could have it too), so I'm asking if it's true.
Title: Re: Where Did Your Inquiries Pull From?
Post by: josh nyc on May 19, 2011, 01:18:04 PM
NY
EQ - citi, citi biz, c schwab
TU - chase banking
ExP - amex, chase credit, macys (dont know how that happened but its almost 2 yrs old)

the good -
3 browser method seems to have worked on citi, amex, and chase, but citi and citi biz are separate pulls.
Since I started churning about 15 months ago, scores have overall gone up not down across all three agencies.

the bad - Exp score is 50 points lower than TU and EQ as i have 12 pulls on Exp and only 7 COMBINED on EQ and TU. My only pull on TU was chase banking; zero credit cards. Its as if no cc in NY uses TU at all.

How can I raise the ExP score? Freeze? Just staying on the sidelines for a while until old apps roll off (which will be 8-10 months and no way i can wait that long)? and what cards are good for citi (churning) besides aa biz cards? Or what cards in general do not pull from Exp in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on May 19, 2011, 01:57:18 PM
the bad - Exp score is 50 points lower than TU and EQ as i have 12 pulls on Exp and only 7 COMBINED on EQ and TU. My only pull on TU was chase banking; zero credit cards. Its as if no cc in NY uses TU at all.

How can I raise the ExP score? Freeze? Just staying on the sidelines for a while until old apps roll off (which will be 8-10 months and no way i can wait that long)? and what cards are good for citi (churning) besides aa biz cards? Or what cards in general do not pull from Exp in NY?

I'm in NY too, see my post from earlier in this thread, I underlined the info you're looking for:

Update:

NY state:

Amex: Experian (three browser trick confirmed, at least for me)
Bank of America: TransUnion
>>Barclays: TransUnion (browser trick didn't work, two apps two pulls)
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Equifax (three browser trick confirmed, though it seems biz card was a separate pull), both personal and biz pulls
Discover: TransUnion
SimmondsFirst: TransUnion


Summary

Citi's the only one that pulled Equifax.
Amex and Chase both pulled Experian. (my score is 30 points lower here because of all the pulls)
Others pulled TransUnion
Title: Re: Where Did Your Inquiries Pull From?
Post by: josh nyc on May 19, 2011, 05:15:59 PM
I'm in NY too, see my post from earlier in this thread, I underlined the info you're looking for:
thanks much. will need to check out current offers on the TU pullers.

3 browser citi biz: how many separate business's do you apply with? Does it work like a personal app - no big deal to get 3 cards at once for the same person/biz, or is it more scrutinized? Or is it good old YMMV?
Title: Re: Where Did Your Inquiries Pull From?
Post by: elduderotomy on May 20, 2011, 04:38:44 PM
The last two times I applied for a Chase card they pulled BOTH Transunion and then Experian. I don't know if this is a common practice here in OK or if they aren't capable of making a decision on me with just one credit report.
Title: Re: Where Did Your Inquiries Pull From?
Post by: skyguy918 on June 23, 2011, 02:22:12 AM
So it seems like Chase pulls from Experian for both consumer and businessin NY. Can anyone confirm this directly? I'm thinking of doing a Chase triple browser app (Sapphire, Hyatt, and CO) and one of the cards was gonna be the CO consumer. But now I realized I need CDW in Israel so I'm thinking of doing the CO business. Any thoughts?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Smokey Joe Robinson on June 23, 2011, 02:30:02 AM
So it seems like Chase pulls from Experian for both consumer and businessin NY. Can anyone confirm this directly? I'm thinking of doing a Chase triple browser app (Sapphire, Hyatt, and CO) and one of the cards was gonna be the CO consumer. But now I realized I need CDW in Israel so I'm thinking of doing the CO business. Any thoughts?
You would chose a card based on it having for CDW for a trip?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on June 23, 2011, 02:31:59 AM
So it seems like Chase pulls from Experian for both consumer and businessin NY. Can anyone confirm this directly? I'm thinking of doing a Chase triple browser app (Sapphire, Hyatt, and CO) and one of the cards was gonna be the CO consumer. But now I realized I need CDW in Israel so I'm thinking of doing the CO business. Any thoughts?
Why not do a Citi app-o-rama at the same time and include the TY Preferred (http://dansdeals.com/go/typ) and get $250 and a no annual fee card with free CDW in Israel?
Title: Re: Where Did Your Inquiries Pull From?
Post by: skyguy918 on June 23, 2011, 03:00:54 AM
You would chose a card based on it having for CDW for a trip?

Well, I was planning on getting a CO card anyway, so I figured I'd get the one with CDW instead. Now I did a little looking around, and I see the CO biz cards don't have quite as good a bonus package as the consumer.

Why not do a Citi app-o-rama at the same time and include the TY Preferred (http://dansdeals.com/go/typ) and get $250 and a no annual fee card with free CDW in Israel?

I'm probably gonna do something like that, I just wasn't planning on doing it all at once. Now that you mention it though it's probably better to do all at once . What would you say are the best other 2 Citi cards for a triple browser? I'm thinking maybe Dividend Platinum Select (to add to my stable of rotating 5% cards :P) and Hilton HHonors. Everyone seems to say they pull from Equifax in NY, which is the middle of my 3 scores. Maybe I'll freeze the 2 E's and try to pull off 6 cards with only 2 pulls on TU. What do you think?
Title: Re: Where Did Your Inquiries Pull From?
Post by: karen on June 25, 2011, 08:14:56 PM
MA:

Experian= All amex, chase (as first USA) and chase bank

Update from new available report:

American Express: Experian
Chase: Experian
Bank of America: Experian

Barclays Bank: Experian, Equifax
Capital One: Experian, Equifax, Transunion

Citi Business: Exquifax
Citi Personal: Exquifax

AT&T : Equifax
Verizon: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on June 25, 2011, 10:49:15 PM
Update from new available report:

American Express: Experian
Chase: Experian
Bank of America: Experian

Barclays Bank: Experian, Equifax
Capital One: Experian, Equifax, Transunion

Citi Business: Exquifax
Citi Personal: Exquifax

AT&T : Equifax
Verizon: Experian

State?

Do phone company inquiries count the same as CC issuer inquires?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cholentfresser on June 25, 2011, 11:07:50 PM
I'd assue its the same state as before: MA
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on June 26, 2011, 11:33:15 PM
Do phone company inquiries count the same as CC issuer inquires?
yes for NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: Heshy on June 30, 2011, 07:18:29 PM
NEW YORK
Chase: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: irleetnoob on July 07, 2011, 02:10:26 PM
CA:

Chase: Equifax AND Experian (one SP, one COOPP card, not sure which is which)
Citi: Experian
Amex: Experian (2 apps, 1 pull)
Title: Re: Where Did Your Inquiries Pull From?
Post by: shach on July 16, 2011, 10:22:20 PM
Do you have any concrete experience with a freeze working
did this help you? how long do i freeze it for?
Title: Re: Where Did Your Inquiries Pull From?
Post by: vupadhayay on July 20, 2011, 11:11:05 PM
I'm from NJ. So most of my pulls are from EX. So I was also wondering if freezing accounts has worked for anyone.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 20, 2011, 11:13:36 PM
I'm from NJ. So most of my pulls are from EX. So I was also wondering if freezing accounts has worked for anyone.

Welcome to the forums!

Freezing doesn't work for Amex/Citi, but has been reported to work for Chase.

Freezing + multiple-browsers (a method to reduce inquires with the same issuer) doesn't always work.
Title: Re: Where Did Your Inquiries Pull From?
Post by: sawlw on July 21, 2011, 04:32:08 PM
interesting!!!

NJ
chase
 united - Trans Union  :-\
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on July 21, 2011, 04:33:20 PM
interesting!!!

NJ
chase
 united - Trans Union  :-\
would u like to explain a little more
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 21, 2011, 04:55:01 PM
interesting!!!

NJ
chase
 united - Trans Union  :-\

None of the e's frozen, right?

Why would a TU pull upset you?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Jkhein on July 21, 2011, 05:16:22 PM
Interesting: NY Chase for one card fro Experian and one card from Trans union.
Title: Re: Where Did Your Inquiries Pull From?
Post by: sawlw on July 21, 2011, 05:27:26 PM
ok, ok
1st of all the face was meant to be uncertain!!! lol
but you bet!  i'm more than happy to get a pull on TU instead of the usual EX

nothing frozen!!!

NJ address

 did 3 apps ua/saf/hy, dont have the other 2 response letters i'll have a look!!
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on July 21, 2011, 05:38:40 PM
Interesting: NY Chase for one card fro Experian and one card from Trans union.
u got two pulls on two different bureaus for one card??
Title: Re: Where Did Your Inquiries Pull From?
Post by: Jkhein on July 21, 2011, 05:52:26 PM
Two seperate cards. BA and sapphire.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 21, 2011, 11:15:49 PM
I'm sure this has been discussed before, but isn't there a way to make a wiki (ala sd) so that you don't have to pore through pages and pages to find out where inquiries are pulled from (or any other long thread)?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on July 21, 2011, 11:23:13 PM
I'm sure this has been discussed before, but isn't there a way to make a wiki (ala sd) so that you don't have to pore through pages and pages to find out where inquiries are pulled from (or any other long thread)?
Sure, feel free to compile people's answers by state here: http://www.dansdeals.com/wiki/
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 01:05:57 AM
Sure, feel free to compile people's answers by state here: http://www.dansdeals.com/wiki/

Ah, excellent. I'll get right on that after I finish studying for, and taking, the NY + NJ bars next week....
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 01:07:34 AM
Ah, excellent. I'll get right on that after I finish studying for, and taking, the NY + NJ bars next week....

Good luck! Coming soon IY"H, AJK Esq. ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: wired41 on July 22, 2011, 01:10:39 AM
WA-

Experian: Amex, BOA

Equifax: Chase

Transunion: Citi, Barclay, Discover
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 01:12:34 AM
WA-

Experian: Amex, BOA

Equifax: Chase

Transunion: Citi, Barclay, Discover

OMG, WA sounds like the ideal home-state for a churner... (at least in your situation)
Title: Re: Where Did Your Inquiries Pull From?
Post by: wired41 on July 22, 2011, 01:39:55 AM
Yes, after hearing all the horror stories about experian with NY and NJ, I was pleasantly suprised for my wife and I  :D
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on July 22, 2011, 01:41:07 AM
OMG, WA sounds like the ideal home-state for a churner... (at least in your situation)
Time to move to SEA!
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 01:53:26 AM
Yes, after hearing all the horror stories about experian with NY and NJ, I was pleasantly suprised for my wife and I  :D

Maybe you need to open a mail-forwarding service in Seattle. I think I'd be willing to pay a few dollars a month (plus postage) if my inquiries worked this way. I wonder if it would change if I 'moved' to Seattle...
Title: Re: Where Did Your Inquiries Pull From?
Post by: elikay on July 22, 2011, 01:55:08 AM
I'm sure this has been discussed before, but isn't there a way to make a wiki (ala sd) so that you don't have to pore through pages and pages to find out where inquiries are pulled from (or any other long thread)?
Sure, feel free to compile people's answers by state here: http://www.dansdeals.com/wiki/ (http://www.dansdeals.com/wiki/)
Ah, excellent. I'll get right on that after I finish studying for, and taking, the NY + NJ bars next week....
Done (http://www.dansdeals.com/wiki/Where_Did_Your_Inquiries_Pull_From)
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 01:56:42 AM
Good luck! Coming soon IY"H, AJK Esq. ;)

AMEN!

Done (http://www.dansdeals.com/wiki/Where_Did_Your_Inquiries_Pull_From)

Beat me to it! Great job.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:00:05 AM
Done (http://www.dansdeals.com/wiki/Where_Did_Your_Inquiries_Pull_From)

Thanks, you did a neat job. If I find the time I'll make a page for multiple browser trick/method.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elikay on July 22, 2011, 02:02:37 AM
Honestly, this one was really easy as it was just cut and paste, if anyone has any other similar wiki candidates please post and someone could take care of it.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:04:39 AM
Honestly, this one was really easy as it was just cut and paste, if anyone has any other similar wiki candidates please post and someone could take care of it.

Perhaps your post belongs here (http://www.dansdeals.com/forums/index.php?board=11.0) (and perhaps my thread/poll belongs in the general discussion forum).
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:08:32 AM
Does bureau inquiry depend on the state you claim is your residence?

Meaning if I put it that I live in TN, instead of NY, would the result change?

Or, do they go by tracing the source of application, i.e. tracing the source of the IP address associated with the application?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:10:46 AM
Does bureau inquiry depend on the state you claim is your residence?

Meaning if I put it that I live in TN, instead of NY, would the result change?

Or, do they go by tracing the source of application, i.e. tracing the source of the IP address associated with the application?

It does, but it's not clear how it works. Use the address currently being reported to the bureaus (i.e. the one on your current cards) or you'll lower your chances of instant approval and possibly cause other delays/problems.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:17:04 AM
The only reason I would put another state, and not worry about serious complications, would be because my credit reports shows an alternate address in another state...

I wonder if it would be worth the risk of putting the other state...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:19:42 AM
The only reason I would put another state, and not worry about serious complications, would be because my credit reports shows an alternate address in another state...

I wonder if it would be worth the risk of putting the other state...

I've used more than one address simultaneously, but I don't know if it'll work to get them to pull from the bureau you want. If you try it please let us know how it works out.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:26:56 AM
I've used more than one address simultaneously, but I don't know if it'll work to get them to pull from the bureau you want. If you try it please let us know how it works out.

Will do. When you did it, the issuer pulled from the same bureau despite the different home address in the app?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:30:34 AM
Will do. When you did it, the issuer pulled from the same bureau despite the different home address in the app?

My addresses were both in the same state.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:31:59 AM
My addresses were both in the same state.

Well, then, duhhh  :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 02:35:41 AM
Well, then, duhhh  :P

I was saying I didn't have trouble with using an old address while applying with newer address. I wasn't saying I have experience with 'choosing' my bureau pulled by using a different address.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:43:30 AM
I was saying I didn't have trouble with using an old address while applying with newer address. I wasn't saying I have experience with 'choosing' my bureau pulled by using a different address.

Ah, well, I decide to guinea pig myself, I shall report back.
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on July 22, 2011, 02:49:38 AM
If you want to apply with a different address first change the address on some of your existing cards then wait until the address is listed on your report and you might save yourself the problems asher mentioned
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:52:24 AM
If you want to apply with a different address first change the address on some of your existing cards that wait until the address is listed on your report and you might save yourself the problems asher mentioned

The address IS listed on my reports. Just some of them have it as a current, and some have it as a former.
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on July 22, 2011, 02:53:41 AM
Then you should be fine. All others see my previous post
Title: Re: Where Did Your Inquiries Pull From?
Post by: skyguy918 on July 22, 2011, 09:15:45 AM
I had it all planned out. With all my pulls on Experian (I'm in NY), I'd do a 3BM app with Citi which would pull from Equifax and then freeze the E's before doing another 3BM app with Chase forcing them to pull from TU. Unfortunately, Citi had other plans because they pulled from Experian. Add that to the hard pull FIA did for a CL increase on my Fidelity Amex and my Experian score is reeling. Of the 3 Citi cards I got rejected for one (my last preference of the bunch) and I'm waiting to get a letter they sent asking for income verification on my top preference before calling Recon and working them for all 3.

Bottom line, Citi pulled from Experian for me in NY. Of course YMMV, as it just has for me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 10:23:48 AM
I had it all planned out. With all my pulls on Experian (I'm in NY), I'd do a 3BM app with Citi which would pull from Equifax and then freeze the E's before doing another 3BM app with Chase forcing them to pull from TU. Unfortunately, Citi had other plans because they pulled from Experian. Add that to the hard pull FIA did for a CL increase on my Fidelity Amex and my Experian score is reeling. Of the 3 Citi cards I got rejected for one (my last preference of the bunch) and I'm waiting to get a letter they sent asking for income verification on my top preference before calling Recon and working them for all 3.

Bottom line, Citi pulled from Experian for me in NY. Of course YMMV, as it just has for me.

Did you do the chase 3bm yet? if so, what were results after freezing E's?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 10:24:26 AM
Did you do the chase 3bm yet? if so, what were results after freezing E's?

YMMV. Plan for the worst and hope for the best.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 10:30:20 AM
YMMV. Plan for the worst and hope for the best.

Always.

...Experian may be in for a hurting.
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on July 22, 2011, 01:13:46 PM
I did 2BM with chase both was pending and then one was approved automatic the other by recon.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 01:22:22 PM
I did 2BM with chase both was pending and then one was approved automatic the other by recon.

Pulls?

My guess is one pull (unless you've had something frozen...)
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on July 22, 2011, 01:35:37 PM
Pulls?

My guess is one pull (unless you've had something frozen...)
I had all E's frozen
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 22, 2011, 01:40:06 PM
I had all E's frozen

And? How many pulls did you get?

Did they pull TU automatically, or did you have to request it with recon? (IME I had to request it with recon after they tried pulling both Es, that's why I'm asking)
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 22, 2011, 02:07:13 PM
And? How many pulls did you get?

Did they pull TU automatically, or did you have to request it with recon? (IME I had to request it with recon after they tried pulling both Es, that's why I'm asking)

+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on July 24, 2011, 11:38:31 AM
And? How many pulls did you get?

Did they pull TU automatically, or did you have to request it with recon? (IME I had to request it with recon after they tried pulling both Es, that's why I'm asking)
they pulled automatically
I still dont know how many pulled
They told me on Thursday its will take two day's till the account will be created but I still don't see it online and the other card they cut the limit rightaway is there any chances its will still be denied
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 24, 2011, 12:29:42 PM
they pulled automatically
I still dont know how many pulled
They told me on Thursday its will take two day's till the account will be created but I still don't see it online and the other card they cut the limit rightaway is there any chances its will still be denied

If they cut the credit line of one of your other cards, you're approved. Should show up online in a few days.
Title: Re: Where Did Your Inquiries Pull From?
Post by: SPLP on July 24, 2011, 12:43:53 PM
any thoughts if makes any difference to do a  2 or 3 browser today Sunday or wait for Monday??--tks --

also plan to freeze the to e's as live in ny and all seam to pull from experian 
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on July 24, 2011, 03:52:44 PM
any thoughts if makes any difference to do a  2 or 3 browser today Sunday or wait for Monday??--tks --

The only difference being is that some recon departments (like Citi) may not open on Sunday, and you would therefore have to wait to discuss any possible denial.

also plan to freeze the to e's as live in ny and all seam to pull from experian

Let us know how it goes. I am also looking to freeze the E's. Can I assume your applying for Chase cards? Which ones?
Title: Re: Where Did Your Inquiries Pull From?
Post by: SPLP on July 24, 2011, 05:33:46 PM
yes will start with chase and move on to amex ,want to get a platinum for 100,000 not sure if will do biz or personal --- citi is like dead - once u have a.a. not much else worth trying for --get spoiled with all the 50- 100,000 deals   
Title: Re: Where Did Your Inquiries Pull From?
Post by: SPLP on July 24, 2011, 05:55:50 PM
i do not think i will freeze as do not want to start with ,
NY FREEZE :
"enclose one copy of a government issued identification card, such as a driver's license, state or military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc., and make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent).

i think i can get what i want in c.c. without the freeze and the hassle to remove it from the two e's

sounds like if a bank wants the info an u have a cc with them they may get it

"A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities."
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on July 24, 2011, 05:57:43 PM
i do not think i will freeze as do not want to start with ,
NY FREEZE :
"enclose one copy of a government issued identification card, such as a driver's license, state or military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc., and make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent).

i think i can get what i want in c.c. without the freeze and the hassle to remove it from the two e's

sounds like if a bank wants the info an u have a cc with them they may get it

"A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities."
I think that only applies for requests for credit regarding an existing account but not for new accounts. If not then freezes wouldn't be very effective.
Title: Re: Where Did Your Inquiries Pull From?
Post by: SPLP on July 24, 2011, 06:10:45 PM
i sort of read it that way too --but like anything else --who knows,---i am sure chase -citi etc can get anything they want ( not that i think any of us are so important that they would push for our info)  --yet from what people post -it does sound like it works --since i think i can get what i need and not any real great things in offers  that i have not -or can not apply for-- i will wait -- i find it a pain to send in documentation even if i can scan it an send 
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on August 25, 2011, 12:38:45 PM
they pulled automatically
I still dont know how many pulled
They told me on Thursday its will take two day's till the account will be created but I still don't see it online and the other card they cut the limit rightaway is there any chances its will still be denied
update one pull
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on September 08, 2011, 09:22:35 PM
It does, but it's not clear how it works. Use the address currently being reported to the bureaus (i.e. the one on your current cards) or you'll lower your chances of instant approval and possibly cause other delays/problems.

Here's my plan -- I'm going to open a po box online in another state (that pulls from a different agency). Then I'm going to use that address when applying for my first business card.

if they tell me that I need a physical address I will tell them that's its an online business and everything gets sent to the pob address.
Do u think this will work?
Title: Re: Where Did Your Inquiries Pull From?
Post by: elikay on September 08, 2011, 09:27:47 PM
Why don't you open the PO box then change your address on other CCs to there, so it will show up already on your CR?
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on September 08, 2011, 10:40:29 PM
Why don't you open the PO box then change your address on other CCs to there, so it will show up already on your CR?
+1
Once the address is on your report they ask less questions.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on September 08, 2011, 10:45:30 PM
Why don't you open the PO box then change your address on other CCs to there, so it will show up already on your CR?

I recently called ex and TU and had them remove an old addess of off my report.  Would I be able to call them and ask them to add an address on to my profile?
Title: Re: Where Did Your Inquiries Pull From?
Post by: elikay on September 08, 2011, 11:01:38 PM
I recently called ex and TU and had them remove an old addess of off my report.  Would I be able to call them and ask them to add an address on to my profile?
If doable it would make it that much easier for an ID thief.
Title: Re: Where Did Your Inquiries Pull From?
Post by: lybbtthl on October 09, 2011, 08:18:18 PM
Does anyone know any banks that for sure do not pull from Experian in CA?

I recently moved from NY to CA; am I going to get all my pulls according the way CA is known to do it? or will I still be subject to NY's credit pulling rules?

BTW
my pulls have been as follows: (all while still in NY)
Chase: TransUnion, Experian
AMEX: TransUnion, Experian, Equifax
Macy's: Experian
Bank of America: Experian, Equifax
Citi: Equifax

I have more than 1 inquiry from Chase & AMEX, I'm not sure if every time they pulled all the above-mentioned reports.
Title: Re: Where Did Your Inquiries Pull From?
Post by: iattia on November 22, 2011, 12:35:37 PM
Hey,

i'm hoping i could get advice from you guys in doing a 3bm. what in your opinions would be the best value i could get?

i'm also trying to figure out which bank would pull from equifax or transunion bc i already have 5 pulls on experian (live in NY) I know there's info on this thread about which banks pull from where, but i couldn't figure out if there has been any consistencies determined or not

and would applying for a Citi visa and Citi amex result in two different pulls?

Thanks in advance for all the advice!!
Title: Re: Where Did Your Inquiries Pull From?
Post by: kracked dude on November 23, 2011, 03:45:13 PM
applied for chase freedom for myself and for my wife. I got instant approval and in the welcome letter it said I can get a free copy of my credit report from Experian. my wife got denied and her letter said we can get free copy of credit report from TransUnion. 
Title: Re: Where Did Your Inquiries Pull From?
Post by: lybbtthl on November 23, 2011, 08:23:06 PM
Does anyone know any banks that for sure do not pull from Experian in CA?

I recently moved from NY to CA; am I going to get all my pulls according the way CA is known to do it? or will I still be subject to NY's credit pulling rules?

BTW
my pulls have been as follows: (all while still in NY)
Chase: TransUnion, Experian
AMEX: TransUnion, Experian, Equifax
Macy's: Experian
Bank of America: Experian, Equifax
Citi: Equifax

I have more than 1 inquiry from Chase & AMEX, I'm not sure if every time they pulled all the above-mentioned reports.

Since I'm in CA I applied for Citi and they pulled from Experian only this time.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on November 23, 2011, 08:28:13 PM
applied for chase freedom for myself and for my wife. I got instant approval and in the welcome letter it said I can get a free copy of my credit report from Experian. my wife got denied and her letter said we can get free copy of credit report from TransUnion. 

Both at the same address? What state?
Title: Re: Where Did Your Inquiries Pull From?
Post by: kracked dude on November 24, 2011, 09:16:21 AM
Both at the same address? What state?
same address in New Jersey. what do you make of it ? do you think they did multiple pulls ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on November 24, 2011, 09:18:32 AM
same address in New Jersey. what do you make of it ? do you think they did multiple pulls ?

Hmmm, if neither of you ever froze your reports, I doubt it. You can always get a 3-in-1 credit report and check.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kracked dude on November 24, 2011, 09:28:12 AM
Hmmm, if neither of you ever froze your reports, I doubt it. You can always get a 3-in-1 credit report and check.
to the best of my knowledge none of them are frozen.what is a 3-in-1 ? and how do I get it ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on November 24, 2011, 09:50:52 AM
to the best of my knowledge none of them are frozen.what is a 3-in-1 ? and how do I get it ?

Get an IdentityMonitor (search it) 30-day for $1, then once you get your report, see the 3-in-1 (all three bureaus) option on the left immediately after you sign in. You can do this for yourself and your wife, just don't forget to cancel within 30 days or they hit you with a $12.95 monthly fee.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kracked dude on November 24, 2011, 10:07:21 AM
Get an IdentityMonitor (search it) 30-day for $1, then once you get your report, see the 3-in-1 (all three bureaus) option on the left immediately after you sign in. You can do this for yourself and your wife, just don't forget to cancel within 30 days or they hit you with a $12.95 monthly fee.
Thanks. Any reason to do it this way over getting my free yearly reports from each bureau separately since its anyways the end of the year? or do they count the year from when I get it ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on November 24, 2011, 10:10:18 AM
Thanks. Any reason to do it this way over getting my free yearly reports from each bureau separately since its anyways the end of the year? or do they count the year from when I get it ?

I think it's per 12 month period. Some people prefer getting one free report every four months (staggered), for example: Equifax in January, Experian in May and TU in September so they get a free report every four months. If you're going to get your free ones you'll have to request both Ex and TU to know if you got multiple pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Spiffster on November 26, 2011, 02:38:27 AM
it's not per calendar year, it's "once per 12-month period" and AsherO has the proper space it out during the year method.

but......  you can get CRs the day after you apply for credit.  The CRA doesn't know if you were approved or not, all you have to do is ask.
Title: Re: Where Did Your Inquiries Pull From?
Post by: PanAm on January 14, 2012, 08:32:58 AM
I live in Dayton, OH and Citi (consumer and business CCs) has consistently pulled from Equifax.  Other than that our pulls have matched what Dan has in post #1 for Ohio, for AMEX, Chase, and Barclays.  (No recent experience with the other creditors listed)
Title: Re: Where Did Your Inquiries Pull From?
Post by: jimmy1 on January 15, 2012, 08:33:09 PM
my EQUIFAX score is 9 points lower than than EXPERIEN and 15 points lower than TRANSUNION.

The cards I have applied for the last 24 months are, amex gold personal and biz, citi aadvantage amex and visa,  BOA visa , Chase southwest and SAPPHIRE PREFERRED,

INterestingly, I just found out that credit scores actually don't get updated for at least 2 months.

I got updated credit reports and scores on jan 12TH, But that report didn't show the card balances I paid in full in early December.
My score has gone down due to FEW HARD PULLS
Title: Re: Where Did Your Inquiries Pull From?
Post by: JoshW on February 13, 2012, 08:55:37 PM
I've gotten Experian and Transunion in NYC with Chase  Best I can tell is regular Chase was Experian but business and reconsiderations (when the original app didn't get a pull) were Transunion.
I got an Experian pull with Citi
Title: Re: Where Did Your Inquiries Pull From?
Post by: netzih on February 13, 2012, 10:41:11 PM
NYC online
Chase: experian (when I called recon and asked to check a different report they checked transunion)
amex: all 3
Cap. 1: all 3
Citi: equifax
(don't know how relevant this is but sprint pulled equifax)
Title: Re: Where Did Your Inquiries Pull From?
Post by: JoshW on February 14, 2012, 08:12:28 AM
NYC online
Chase: experian (when I called recon and asked to check a different report they checked transunion)
amex: all 3
Cap. 1: all 3
Citi: equifax
(don't know how relevant this is but sprint pulled equifax)
Also don't know how relevant but Verizon for home pulled Experian and Direct Tv pulled Equifax in NYC
Title: Re: Where Did Your Inquiries Pull From?
Post by: Drago on February 28, 2012, 01:44:46 PM
I'm in Ohio, and when I did 2 apps with Chase, I received a double pull. One on my Experian and one on TU. Anyone else have this experience? It was for the SP and AARP cards.
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubbles on February 28, 2012, 01:46:32 PM
I'm in Ohio, and when I did 2 apps with Chase, I received a double pull. One on my Experian and one on TU. Anyone else have this experience? It was for the SP and AARP cards.

Im in NJ and did a chase app and got alerted from credit karma that there is a new inquiry on my TU report. not sure if I got hit double and didn't check the actual report yet but getting a TU pull in NJ I believe is rare in itself
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on February 28, 2012, 01:48:03 PM
I'm in Ohio, and when I did 2 apps with Chase, I received a double pull. One on my Experian and one on TU. Anyone else have this experience? It was for the SP and AARP cards.
Anything frozen? 
Otherwise I would say that AARP may not be 2bm/3bm eligible.
Title: Re: Where Did Your Inquiries Pull From?
Post by: lybbtthl on February 28, 2012, 01:58:42 PM
Now that I've made some applications in CA in the last few months I can say:

Chase: Experian
AMEX: Experian
Citi: Experian
Discover: TransUnion

Also from a friend of mine:
US Bank: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Drago on February 28, 2012, 02:13:33 PM
Anything frozen? 
Otherwise I would say that AARP may not be 2bm/3bm eligible.

Nothing frozen.

This is beyond a 2bm issue. What happened is that I did a 2bm, and received the delayed response. This appears to have caused 2 pulls. Then I started calling them. First I convinced them to give me SP. Then a few days later, I called for AARP and they told me that since they never did a pull for that card they would need to do one now. I begrudgingly agreed, and I was approved. However, this caused another 2 pulls.

I forgot an important point. The pulls showed as Chase for one, and First USA Bank for the other. Some searching shows that First USA Bank is part of Chase.

Any ideas?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on February 28, 2012, 02:15:22 PM
I forgot an important point. The pulls showed as Chase for one, and First USA Bank for the other. Some searching shows that First USA Bank is part of Chase.
AARP probably is the First USA pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Drago on February 28, 2012, 02:54:40 PM
But why 2 pulls each time? It's as if 2 different branches of Chase are pulling my credit.
Worth fighting over?
Title: Re: Where Did Your Inquiries Pull From?
Post by: aj26 on March 09, 2012, 12:34:39 PM
I recently did a 2bm for chase. In the rejection letters, it said one card pulled from equifax and the other from expirian. I presume i got two hits for these. I live in MD. If my wife wants to do a 2bm, should we freeze eq and exprian to force a pull at transunion.
Also, when I did recon, they said I have 6 or so pulls, if they pull from transunion, will they see all the card accounts I have recently opened?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 09, 2012, 12:45:16 PM
I recently did a 2bm for chase. In the rejection letters, it said one card pulled from equifax and the other from expirian. I presume i got two hits for these. I live in MD. If my wife wants to do a 2bm, should we freeze eq and exprian to force a pull at transunion.
Also, when I did recon, they said I have 6 or so pulls, if they pull from transunion, will they see all the card accounts I have recently opened?

Yes, sounds like a good idea.
Yes, in most cases they are able, especially if the issuer from whom you are requesting credit is the issuer who granted you those new accounts.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aj26 on March 09, 2012, 01:29:50 PM
so whats the advantage to 2/3bm if they can see old pulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 09, 2012, 01:36:13 PM
so whats the advantage to 2/3bm if they can see old pulls

Who said anything about pulls?

Also, when I did recon, they said I have 6 or so pulls, if they pull from transunion, will they see all the card accounts I have recently opened?
Title: Re: Where Did Your Inquiries Pull From?
Post by: aj26 on March 09, 2012, 01:48:33 PM
Oh, sorry im a little new at this.
So what you are saying is that they can always see new accounts open but they won't necessarily be able to see the pulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 09, 2012, 01:52:16 PM
Oh, sorry im a little new at this.
So what you are saying is that they can always see new accounts open but they won't necessarily be able to see the pulls

In a word, basically.

Even if you freeze two reports and force the FI to pull from the third, if you apply for a card from the same FI as your new accounts, they'll almost surely be able to see that you have those accounts, even if they can't see the pulls that predicated those accounts.

It's a different question if other FI's would be able to see those new accounts, and the answer depends on the timing of when the new accounts were opened, and when the subsequent pulls took place.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aj26 on March 09, 2012, 01:56:34 PM
It sounds a bit complicated. I feel like I would be just better off negotiating with Chase to let me open a new card by closing an old one
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 09, 2012, 02:09:50 PM
It sounds a bit complicated. I feel like I would be just better off negotiating with Chase to let me open a new card by closing an old one

It's not that complicated, and you can do exactly that also. These two steps are not mutually exclusive.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aj26 on March 09, 2012, 03:01:35 PM
In your experience, does it make so much of a difference?
I have 3 pulls from barclays/amex/chase in october, only approved for barclays
1 approval from chase in early feb.
1 2bm from amex in late feb, not yet approved as i had to send in my 4506 form
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 09, 2012, 04:57:15 PM
I can't tell you for sure one way or the other, but I'm all about stacking the deck as much as I can...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 11, 2012, 12:23:24 AM
I can't tell you for sure one way or the other, but I'm all about stacking the deck as much as I can...

As long as you're willing to (ch"v potentially) deal with the repurcussions of pushing the limits...

(I don't mean you personally, I mean anyone who stacks the decks as high as they can)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Drago on March 11, 2012, 07:38:25 AM
As long as you're willing to (ch"v potentially) deal with the repurcussions of pushing the limits...
What's ch"v? chas vi'shalom?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 11, 2012, 10:38:37 AM
As long as you're willing to (ch"v potentially) deal with the repurcussions of pushing the limits...

(I don't mean you personally, I mean anyone who stacks the decks as high as they can)

You think its pushing the limits to freeze reports + close one card to push through another?

Personally, I like stacking the deck as much as I can without pushing the limits - I think this would be an example.

What's ch"v? chas vi'shalom?

Yes.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 11, 2012, 10:44:46 AM
You think its pushing the limits to freeze reports + close one card to push through another?

Personally, I like stacking the deck as much as I can without pushing the limits - I think this would be an example.

I think I missunderstood what you meant by stacking the deck as much as you could.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on March 11, 2012, 11:05:02 AM
I think I missunderstood what you meant by stacking the deck as much as you could.

Ah, perhaps I was less than clear. As you suggested, there very likely comes a point where the risk of stacking the deck outweighs the possible reward. In that case, if ones does it, he or she best be able to deal with any repercussions... or don't stack the deck :) 
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on March 11, 2012, 11:09:16 AM
Ah, perhaps I was less than clear. As you suggested, there very likely comes a point where the risk of stacking the deck outweighs the possible reward. In that case, if ones does it, he or she best be able to deal with any repercussions... or don't stack the deck :) 

I guess we're in agreement and I didn't misunderstand :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on May 03, 2012, 12:35:02 PM
Slightly OT but i havent found an answer yet...When i apply for a credit card will the pull go based on what state i put my address in or on the state associated with my social's address?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on May 03, 2012, 01:06:30 PM
Slightly OT but i havent found an answer yet...When i apply for a credit card will the pull go based on what state i put my address in or on the state associated with my social's address?

The pull will be based on the address you give them (they don't know what address(es) is (or are) associated with your SSN until they pull, duh!

Having said that, giving them a new address will delay your application, as they'll have to verify it's you (and not some scammer), e.g. by having you verify the previous address(es) and/or other info on your CR.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on May 13, 2012, 08:41:05 AM
Anyone have any input for MD?

I saw only one post and it had a 2BM with an experian and equifax pull.

I'm looking for info specifically for Citi And Chase.
Thanx.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Platinum on May 13, 2012, 11:53:43 PM
In CA I recently did a 2bm with chase for my wife and she got 2 pulls one from experian and one from equifax.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on May 14, 2012, 02:24:46 AM
In CA I recently did a 2bm with chase for my wife and she got 2 pulls one from experian and one from equifax.

One consumer and one biz?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Platinum on May 14, 2012, 10:41:35 AM
One consumer and one biz?
No both were consumer. Hyatt and sapphire mc
Title: Re: Where Did Your Inquiries Pull From?
Post by: compddd on May 19, 2012, 11:17:08 PM
I did a 2BM in CA recently for SW and UA cards with Chase and the United got denied for the following reason:

"Applied for Southwest and accepted recently"

Does that mean the 2BM didn't work and I got 2 pulls?
Title: Re: Where Did Your Inquiries Pull From?
Post by: andrew on June 21, 2012, 01:52:50 PM
saw this on dans wiki page
"Citi: Equifax (three browser trick confirmed (AsherO), though it seems biz card was a separate pull), both personal and biz pulls./Experian"
does that mean citi in brooklyn pulls twice one for eqifax and once for experian or once for some ppl eqi. and for some ex.?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on June 21, 2012, 02:29:43 PM
saw this on dans wiki page
"Citi: Equifax (three browser trick confirmed (AsherO), though it seems biz card was a separate pull), both personal and biz pulls./Experian"
does that mean citi in brooklyn pulls twice one for eqifax and once for experian or once for some ppl eqi. and for some ex.?

I can't speak for other people. IME they pulled EQ twice, once for consumer (2 apps consolidated) and once for Biz.
Title: Re: Where Did Your Inquiries Pull From?
Post by: andrew on June 21, 2012, 02:47:38 PM
have you ever tried freezin eq to see if citi would pull experian or transunion?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on June 22, 2012, 10:19:06 AM
have you ever tried freezin eq to see if citi would pull experian or transunion?

I don't think the freezing trick works for Citi (or Amex for that case).
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on June 25, 2012, 12:27:28 PM
Update from Illinois
Barclays=Transunion
Citibank= Equifax
Bank of America= Experian
Chase= Transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: presidentialplus on June 26, 2012, 06:04:41 PM
Where does Discover pull from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on June 27, 2012, 12:27:29 PM
Update from Illinois
Barclays=Transunion
Citibank= Equifax
Bank of America= Experian
Chase= Transunion

And Amex?
Title: Re: Where Did Your Inquiries Pull From?
Post by: presidentialplus on June 27, 2012, 01:54:34 PM
Would anybody know where discover pulls from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: jj1000 on July 08, 2012, 06:57:23 PM
Pennsylvania anyone?

Do they pull from whatever address you put down on the application or a different way for example your drivers license?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on July 08, 2012, 07:17:59 PM
And Amex?
Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Sammy12345 on July 11, 2012, 10:30:18 PM
Does anyone figure out where do they pull from in NY? :-[
Title: Re: Where Did Your Inquiries Pull From?
Post by: jj1000 on July 11, 2012, 10:32:46 PM
Does anyone figure out where do they pull from in NY? :-[
Yes. just read the thread. http://forums.dansdeals.com/index.php?topic=6373.msg73544#msg73544
Title: Where is Amex and Chase pulled as Transunion or Equifax?
Post by: elduderotomy on July 21, 2012, 05:55:32 PM
In what city are Amex and Chase inquiries made solely as Transunion or Equifax?   ;)
Title: Re: Where is Amex and Chase pulled as Transunion or Equifax?
Post by: AJK on July 21, 2012, 10:22:23 PM
You should check out creditboards.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on July 29, 2012, 11:37:42 AM
im looking at my credit pulls now (ohio) and i see that my SP got a pull on Transunion and Experian, and then when i applied for a chase 2bm later i got one pull in TU and Experian.
does that make sense? i thought only Transunion gets for CC. and if thats what it is than if will it effect an Amex app, since it pulls from experian?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on July 29, 2012, 11:48:51 AM
also i checked my score and it says "Fair"? should i wait before applying or is it fine? last time i applied was beginning of May (got denied)

btw my score on Creditkarma says 732

Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 29, 2012, 12:12:03 PM
also i checked my score and it says "Fair"? should i wait before applying or is it fine? last time i applied was beginning of May (got denied)

btw my score on Creditkarma says 732

What's going on that your scores are so low? If it's a utilization issue then paying in full and not spending one billing cycle should clear it up.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on July 29, 2012, 12:19:47 PM
What's going on that your scores are so low? If it's a utilization issue then paying in full and not spending one billing cycle should clear it up.
i always pay in full ,idk why its so low.
what do u mean not to spend at all for a billing cycle?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on July 29, 2012, 12:23:31 PM
i always pay in full ,idk why its so low.

What do your Citi reports show? Doesn't IdentityMonitor offer some score analysis?

what do u mean not to spend at all for a billing cycle?

I mean to get your CC balances to $0 (or close to it) so that your utilization stabilizes. This strategy assumes that utilization is your biggest issue, though from the look of those scores there might be other stuff...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on August 01, 2012, 03:14:34 AM
Ohio:
AMEX: Experian
Capital One: Pulled from all 3 bureaus.
Chase Credit Cards: Transunion
Chase Banking: Experian
Citi (Consumer and CBSD/Business): Experian
Discover: Equifax
Elavon credit card processing: Equifax
FIA (BOFA): Experian
Barclay: Transunion
Applied for amex and BOA and when i got declined BOA it said its from Experian . now i got an email from Citi Identity Moniter that i got an inquiry from TransUnion and its from Amex...??
Title: Illinois
Post by: 100CountryGoal on August 18, 2012, 08:46:09 PM
Past year from Illinois:

Experian:
BOA
Citi (multiple)
Chase (just once, recently CHASE usually pulls TU)
AMEX (multiple)

Equifax:
USAA

TU:
Chase (multiple)
Barclays
Discover
A local credit union


Title: Re: Where Did Your Inquiries Pull From?
Post by: eliteflyer on September 03, 2012, 08:22:00 PM
NY state: (Brooklyn)

Amex: Experian
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Last pull was over 2 years ago, and not on the report

Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 08:27:01 PM
NY state: (Brooklyn)

Amex: Experian
Chase: Experian (three browser trick confirmed, at least for me)
Citi: Last pull was over 2 years ago, and not on the report
time for some new AA cards  ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: eliteflyer on September 03, 2012, 09:51:09 PM
time for some new AA cards  ;D
I still have one of the AA cards (the personal Amex). Should I do a 2BM for both the personal Amex and Visa, or will duplicate cards not work with AA?
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 10:24:06 PM
I still have one of the AA cards (the personal Amex). Should I do a 2BM for both the personal Amex and Visa, or will duplicate cards not work with AA?
im not sure hope the experts will chime in but i do remember reading somewhere that u dont need to close it first but im not sure
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yaalili on September 03, 2012, 10:34:32 PM
I still have one of the AA cards (the personal Amex). Should I do a 2BM for both the personal Amex and Visa, or will duplicate cards not work with AA?

I too have a citi platinum visa card, and applied for the platinum mc card and gold visa card, was denied both by city, reason being that i could only have one card with aa.
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 10:36:12 PM
I too have a citi platinum visa card, and applied for the platinum mc card and gold visa card, was denied both by city, reason being that i could only have one card with aa.
how long ago did u get the platinum visa though
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yaalili on September 03, 2012, 10:37:27 PM
how long ago did u get the platinum visa though

about 2 months ago.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 10:45:40 PM
I still have one of the AA cards (the personal Amex). Should I do a 2BM for both the personal Amex and Visa, or will duplicate cards not work with AA?

Rather sure one is not required to close previous AA cards before reapplying.
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 10:49:11 PM
about 2 months ago.
thats why it has nothing to do with having the visa once u apply for one it seems like u cant apply for another for ~two year
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yaalili on September 03, 2012, 10:50:02 PM
thats why it has nothing to do with having the visa once u apply for one it seems like u cant apply for another for ~two year

oh, i didn't know.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:24:24 PM
My Chase credit card just pulled from Trans Union, is this normal?
IME Chase in NY has only pulled from EX, I didn't freeze..
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 03, 2012, 11:25:44 PM
My Chase credit card just pulled from Trans Union, is this normal?
IME Chase in NY has only pulled from EX, I didn't freeze..

Odd, but Chase occasionally pulls from other bureaus. As always, pulls (and thus 2/3/4BMs) is YMMV.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:28:28 PM
My Chase credit card just pulled from Trans Union, is this normal?
IME Chase in NY has only pulled from EX, I didn't freeze..

Mazel tov -- that's a good thing :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 03, 2012, 11:29:40 PM
Mazel tov -- that's a good thing :P

Not if he's doing a 2/3BM and (only) one of those pulls was on TU...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:34:02 PM
Not if he's doing a 2/3BM and (only) one of those pulls was on TU...

It may have been his only pull...

Besides, if he has to have two pulls, he's much better off with them being split between EX and TU than 2 EX.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 03, 2012, 11:35:11 PM
Besides, if he has to have two pulls, he's much better off with them being split between EX and TU than 2 EX.

Our working theory here on DDF is that two identical pulls on the same day from the same bureau would get consolidated into one.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:36:34 PM
Should clarify. I did a 3BM, all 3 declined.  When letters came in, I called re. SP WMC, and had them close the Visa.  The letter that came in the mail informing me of the closure stated that they pulled from TU. 

Now does that mean they did another pull, in addition to the one when I applied?

(The recon's told me I have something like 8/9 pulls on my CR :-[)
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 11:37:37 PM
Should clarify. I did a 3BM, all 3 declined.  When letters came in, I called re. SP WMC, and had them close the Visa.  The letter that came in the mail informing me of the closure stated that they pulled from TU. 

Now does that mean they did another pull, in addition to the one when I applied?
why dont u check citi monitor
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:38:44 PM
why dont u check citi monitor
$$$$
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 11:39:20 PM
$$$$
its 1 dollar
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 03, 2012, 11:40:01 PM
Should clarify. I did a 3BM, all 3 declined.  When letters came in, I called re. SP WMC, and had them close the Visa.  The letter that came in the mail informing me of the closure stated that they pulled from TU. 

Now does that mean they did another pull, in addition to the one when I applied?

A pull upon closure? I don't think so (never heard of it). I don't know what letter you're talking about, but sounds like the original pull.

(The recon's told me I have something like 8/9 pulls on my CR :-[)

If most of them are 6+ months ago you're doing very well. I have ~15 on each bureau and others here have (many?) more.

its 1 dollar

Yup, just remember to cancel within 30 days, or it'll be $$$$ :D
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:40:08 PM
Our working theory here on DDF is that two identical pulls on the same day from the same bureau would get consolidated into one.

I'm on board with said theory, but it's possible that on any given 2/3BM that the inquiries could be coded differently...

$$$$

It's a buck...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:40:53 PM
its 1 dollar
:o A dolla' is a dolla'  ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:41:15 PM
I have ~15 on each bureau and others here have (many?) more.

15 on EQ and TU? What have you been applying for being that you're in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on September 03, 2012, 11:47:09 PM
Yup, just remember to cancel within 30 days, or it'll be $$$$ :D
VCN ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 11:47:34 PM
VCN ;)
+infinity
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:47:42 PM
A pull upon closure? I don't think so (never heard of it). I don't know what letter you're talking about, but sounds like the original pull.
The original letters of decline for the other 2 (of the 3BM) both had EX as the CB that was pulled.  The letter for this particular card decline didn't have any pull, it just said that I already have a SP card...  So why would I all of a sudden have a TU?
The original pull was def. EX!  And the Recon didn't just agree "shift over your CL" and g'bye.. s/he still did the whole "review" of my credit bla bla...

If most of them are 6+ months ago you're doing very well. I have ~15 on each bureau and others here have (many?) more.
Unfortunately a lot of them seem to be recent... BTW is there any cost involved at all for credit freezing in NY?  Thanks!
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:48:18 PM
+1 on the VCN. It's almost worth it to pay my AF on the Citi card I have for that feature alone.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Galitzyaner on September 03, 2012, 11:51:01 PM
VCN ;)
VCN ??  ???
Even reb Google can't seem to figure that one too quickly
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 03, 2012, 11:51:32 PM
VCN ;)

Not a Citi one, I'm 1000% sure it didn't work for this specific use (can't remember if it was IME or someone elses :-[)

15 on EQ and TU? What have you been applying for being that you're in NY?

Average, I have 10+ on TU because I had a bungled BofA 3bm and some other stuff I applied for.  I have random inquiries from all kinds of things (like bank accounts and Amex FX etc etc)

The original letters of decline for the other 2 (of the 3BM) both had EX as the CB that was pulled.  The letter for this particular card decline didn't have any pull, it just said that I already have a SP card...  So why would I all of a sudden have a TU?

Maybe they pulled for moving the CL, annoying.

Unfortunately a lot of them seem to be recent... BTW is there any cost involved at all for credit freezing in NY?  Thanks!

Yes, $5 to freeze (ater first one), $5 for temporary or permanent lift. Fees waived for verified victims of identity theft.


VCN ??  ???
Even reb Google can't seem to figure that one too quickly

Virtual card number
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 11:51:38 PM
VCN ??  ???
Even reb Google can't seem to figure that one too quickly
virtual card number
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 03, 2012, 11:52:02 PM
Not a Citi one, I'm 1000% sure it didn't work for this specific use (can't remember if it was IME or someone elses :-[)

Average, I have 10+ on TU because I had a bungled BofA 3bm and some other stuff I applied for.  I have random inquiries from all kinds of things (like bank accounts and Amex FX etc etc)

Virtual card number
i use it all the time
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 03, 2012, 11:58:43 PM
i use it all the time

+1, worked for me on Experian and CitiID.

Average, I have 10+ on TU because I had a bungled BofA 3bm and some other stuff I applied for.  I have random inquiries from all kinds of things (like bank accounts and Amex FX etc etc)

BoA in NY pulls TU for you?
Title: Re: Where Did Your Inquiries Pull From?
Post by: JEWDA on September 04, 2012, 12:33:47 AM
VCN ??  ???
Even reb Google can't seem to figure that one too quickly
Virtual Card Number
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on September 04, 2012, 02:23:05 AM
I still have one of the AA cards (the personal Amex). Should I do a 2BM for both the personal Amex and Visa, or will duplicate cards not work with AA?

My wife currently has 5 active aa cards.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 09:12:15 AM
I made this Google Spreadsheet, Please fill in your information, if we build & maintain this file , everyone will benefit from it.

https://docs.google.com/spreadsheet/ccc?key=0AkZ-wl7WzLO4dGVPd0toMGs3WUlRNm85bVVIc3hZYVE

No sign-in required , it's a public file , everybody can add information to it.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on September 04, 2012, 10:18:28 AM
I made this Google Spreadsheet, Please fill in your information, if we build & maintain this file , everyone will benefit from it.

https://docs.google.com/spreadsheet/ccc?key=0AkZ-wl7WzLO4dGVPd0toMGs3WUlRNm85bVVIc3hZYVE

No sign-in required , it's a public file , everybody can add information to it.
You should use EQ, EX and TU for the CB's.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on September 04, 2012, 10:33:55 AM
Not a Citi one, I'm 1000% sure it didn't work for this specific use (can't remember if it was IME or someone elses :-[)
-1 IME
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 10:40:19 AM
OK Sorry for this

I see now somebody change it already

Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 04, 2012, 10:40:38 AM
OK Sorry for this

I see now somebody change it already
your welcome
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 10:42:06 AM
Did you know where I can read more about how freezing work ?

I don't know to much about it
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 04, 2012, 10:43:19 AM
That spreadsheet shows only that there has been an instance of a pull on a certain CRA... shouldn't it be structured such that one can determine the likelihood of a certain report being pulled?
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 10:45:43 AM
You are welcome to change it , it's the public spreadsheet .

P.S. What mean CRA ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 04, 2012, 10:51:53 AM
You are welcome to change it , it's the public spreadsheet .

P.S. What mean CRA ?

Don't have the time, but if the community agrees, someone can take it on.

Credit reporting agency.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 10:56:43 AM
If you explain it to me more how the spreadsheet should be structure I will do it

I need more information on your concern
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 04, 2012, 10:58:08 AM
If you explain it to me more how the spreadsheet should be structure I will do it

I need more information on your concern

Only if people agree, but:

If I live in CA, and I am applying for a BoA card, I'd want to know not simply that someone has had TU pulled, I'd want to know how many times each bureau was pulled in the past when applying for a BoA card, e.g. 8-TU, 1-EX, 0-EQ.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on September 04, 2012, 11:01:56 AM
Only if people agree, but:

If I live in CA, and I am applying for a BoA card, I'd want to know not simply that someone has had TU pulled, I'd want to know how many times each bureau was pulled in the past when applying for a BoA card, e.g. 8-TU, 1-EX, 0-EQ.
You would also need the date. If something shows 25-TU and 3-EQ it would make a big difference if the last three entries were EQ.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 04, 2012, 11:02:37 AM
You would also need the date. If something shows 25-TU and 3-EQ it would make a big difference if the last three entries were EQ.

+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on September 04, 2012, 11:05:59 AM
OK both good ideas

I will upgrade it with this enhancements, but I will do for all information I see on this forum from now on

It's not worth to go back all 19 pages since the information is kind of old
Title: Re: Where Did Your Inquiries Pull From?
Post by: compddd on September 04, 2012, 12:14:50 PM
Does BofA pull EQ or TU if you freeze your EX?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmelly on September 05, 2012, 10:46:17 AM
I checked Citi ID Monitor to see how many pulls resulted from this AOR (http://forums.dansdeals.com/index.php?topic=16706.msg297358#msg297358). (I'm in NY.)

Citi pulled once from EQ and once from EX.
Amex pulled twice from EX.
Barclay's pulled once from TU.
Chase didn't pull from anywhere. 

Basically a giant bag of fail across the board.
Title: Re: Where Did Your Inquiries Pull From?
Post by: businessmachine on September 05, 2012, 10:57:46 AM
Its weird that Amex pulled from Experian for you. I'm also from NY and they only pulled from Transunion from me
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 05, 2012, 10:58:15 AM
Its weird that Amex pulled from Experian for you. I'm also from NY and they only pulled from experian from me
huh
Title: Re: Where Did Your Inquiries Pull From?
Post by: businessmachine on September 05, 2012, 11:23:15 AM
huh

my bad-- meant to type Transunion :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 05, 2012, 11:24:47 AM
my bad-- meant to type Transunion :)
amex always pull ex in ny
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on September 05, 2012, 11:44:08 AM
In your situation.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmelly on September 05, 2012, 11:44:36 AM
Amex has always pulled from EX for me.

So is there anything I can do about either of these?
Quote
Citi pulled once from EQ and once from EX.
Amex pulled twice from EX.

And what does this mean?!
Quote
Chase didn't pull from anywhere.
Title: Re: Where Did Your Inquiries Pull From?
Post by: businessmachine on September 05, 2012, 11:49:48 AM
So weird- just checked my Experian again, and it looks like Amex just pulled from there as well. So one pull from TU and one from EXP for two SPG cards....not happy about this!
Title: Re: Where Did Your Inquiries Pull From?
Post by: joey89 on September 12, 2012, 12:46:26 AM
I did an AOR for my brother Amex/Chase/Citi and all three pulled experian (1 pull each, 2bm worked ).
was kinda shocked that Citi pulled experian being that I'm in NY where they usually pull EQ
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 12, 2012, 11:55:11 AM
I did an AOR for my brother Amex/Chase/Citi and all three pulled experian (1 pull each, 2bm worked ).
was kinda shocked that Citi pulled experian being that I'm in NY where they usually pull EQ
i just applies for citi for my wife last night in ny also pulled experian looks like they switched which stinks cause now chase amex and citi are all pulling experian!!!!
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 12, 2012, 11:57:35 AM
i just applies for citi for my wife last night in ny also pulled experian looks like they switched which stinks cause now chase amex and citi are all pulling experian!!!!

I know, right? I think I'm going to relocate to Ohio for churning purposed, anyone know of a good (but inexpensive) mail-drop service whose mailbox numbers appear as a street address?
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on September 12, 2012, 11:59:45 AM
I know, right? I think I'm going to relocate to Ohio for churning purposed, anyone know of a good (but inexpensive) mail-drop service whose mailbox numbers appear as a street address?
lol
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 12, 2012, 12:05:48 PM
lol

No joke, I do this for other stuff, it works wonders ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 12, 2012, 12:14:39 PM
But then wouldn't all your cards and stuff get sent to OH?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 12, 2012, 12:19:36 PM
But then wouldn't all your cards and stuff get sent to OH?

Mail drop, they forward it to you. Would end up costing a few $$$ a year, but might be worth it.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 12, 2012, 12:21:21 PM
Do I understand you already do it for some other stuff? If so, what kind of $$ are we talking?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on September 12, 2012, 12:23:56 PM
Do I understand you already do it for some other stuff? If so, what kind of $$ are we talking?

I use a different address for something else, different state too (not OH). In that case I just picked a random motel, as I don't need the mail forwarded.
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on September 13, 2012, 10:29:19 AM
Recently did my first ever amex 3bm in New York and they pulled TU 3 times as my EQ was frozen.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on September 13, 2012, 10:33:15 AM
I know, right? I think I'm going to relocate to Ohio for churning purposed, anyone know of a good (but inexpensive) mail-drop service whose mailbox numbers appear as a street address?
How about a member you could trust?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 13, 2012, 10:41:42 AM
How about a member you could trust?
Don't know who that could be ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on September 23, 2012, 03:15:29 PM
Does anyone know where citi pulls from in Md? Rather can someone post where all majors cards pull from in Md cuz I couldn't find it anywhere?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yeki89 on September 23, 2012, 03:16:29 PM
How about a member you could trust?
U wouldn't want people to do that to you, no?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LeeW on September 28, 2012, 02:36:28 PM
Discover in ny, just last pulled from TU.
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on September 28, 2012, 03:14:56 PM
Discover in ny, just last pulled from TU.
+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on September 28, 2012, 03:44:30 PM
NY - meshugener
TU - BofA
       Discover
       Banana Republic
EX - Chase
       Amex
       Macy's
EQ - Citi
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on September 28, 2012, 04:14:36 PM
NY - meshugener
 
EQ - Citi

my wife got pulled from ex last week
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on September 28, 2012, 05:30:30 PM
How old is her credit report?
Title: Where Did Your Inquiries Pull From?
Post by: MEIR613 on September 28, 2012, 05:52:05 PM
She just got approved last week for 1st time 2 cards and 2 years as au

Title: Re: Where Did Your Inquiries Pull From?
Post by: ahecht37 on September 28, 2012, 06:36:48 PM
I know, right? I think I'm going to relocate to Ohio for churning purposed, anyone know of a good (but inexpensive) mail-drop service whose mailbox numbers appear as a street address?
there's always regus if ur stuck
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on September 29, 2012, 11:09:04 PM
MD

EX- AMEX
       CITI
       BOA
       CHASE

EQ-CHASE

FEEL FREE TO EDIT

Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on September 30, 2012, 03:03:28 AM
i just opened my experian report and i see a pull from CITI there. and its Ohio! i thought it pulls from EQ..?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on September 30, 2012, 08:31:09 AM
Did you miss OP?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on September 30, 2012, 08:37:59 AM
Did you miss OP?
I see now
 And i for some reason remember reading somewhere in this thread thay it pulled from EQ. Thats why i made an AOR on citi chase and amex thinking itll pull from 3 diff bureaus!
Anyway both amex and citi pulled from EX and EQ.

 
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on September 30, 2012, 08:59:48 AM
I've noticed lately that for first timers all the above info does not necessarily apply.
They might sometimes pull from a different bureau or from more than one.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on September 30, 2012, 09:17:15 AM
U wouldn't want people to do that to you, no?
Do what?
Title: Re: Where Did Your Inquiries Pull From?
Post by: compddd on October 02, 2012, 12:12:00 PM
I called BofA recon today and got them to pull from TU since I froze my EX.

Should I do my Chase 3BM today and would they not see BofA's pull? I have 0 pulls on my TU and wasn't counting on BofA to actually say yes to me asking for them to pull from TU today.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on October 02, 2012, 11:12:08 PM
My bet is they'd see the BoA pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: compddd on October 03, 2012, 10:25:06 AM
I checked credit karma and my 2BM with BofA was only 1 pull on TU thank goodness, I called 6 hours apart for each app yesterday so I was afraid I was going to end up with 2 pulls.

Since I only have 1 pull on my TU now, it shouldn't affect my 3BM with Chase right? Or do I need to wait 30 days before trying?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AsherO on October 15, 2012, 02:18:49 AM
there's always regus if ur stuck

$59/month (cheapest in Ohio) is a bit steep for that, and their addresses might be flagged as risky already...
Title: Re: Where Did Your Inquiries Pull From?
Post by: aryeh1 on October 15, 2012, 04:26:03 PM
did amex 3bm and got 3 pulls from transunion?
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on October 15, 2012, 04:35:00 PM
did amex 3bm and got 3 pulls from transunion?
dispute it.
Title: Re: Where Did Your Inquiries Pull From?
Post by: businessmachine on October 15, 2012, 04:37:49 PM
How can you dispute it? the credit agencies won't do anything unless they are all on same day
Title: Re: Where Did Your Inquiries Pull From?
Post by: aryeh1 on October 15, 2012, 04:42:40 PM
dispute it.
they are the same day, how do I dispute transunion inquiries, I didn't see disputing inquiries as an option?
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on October 15, 2012, 04:45:07 PM
they are the same day, how do I dispute transunion inquiries, I didn't see disputing inquiries as an option?
call them.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aryeh1 on October 15, 2012, 04:54:51 PM
call them.
They did take them off in the past ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on October 15, 2012, 04:57:21 PM
They did take them off in the past ?
yes.
Title: Re: Where Did Your Inquiries Pull From?
Post by: aryeh1 on October 15, 2012, 09:37:53 PM
yes.
What did you tell them?
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on October 16, 2012, 12:36:33 AM
I applied for a credit card on that date, and now I see there was an error, it mistakenly appears twice!
Title: Re: Where Did Your Inquiries Pull From?
Post by: JEWDA on October 23, 2012, 02:41:51 PM
New Jersey

Chase: TransUnion
Chase: Experian

How do you explain that? was with a 3bm.
Title: Re: Where Did Your Inquiries Pull From?
Post by: jj1000 on October 23, 2012, 02:47:59 PM
New Jersey

Chase: TransUnion
Chase: Experian

How do you explain that? was with a 3bm.
Like everything in this game YMMV.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on October 23, 2012, 02:51:51 PM
New Jersey

Chase: TransUnion
Chase: Experian

How do you explain that? was with a 3bm.
For two of your apps the pulled one CRA and for the other app they pulled a different CRA.  :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: JEWDA on October 23, 2012, 02:53:02 PM
For two of your apps the pulled one CRA and for the other app they pulled a different CRA.  :P
Your actually right for once ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on October 23, 2012, 02:59:18 PM
Your actually right for once ;D
Not necessarily. They might have pulled the same CRA for all three and didn’t like what they saw on one app and pulled another CRA for that one.  :)

Disclaimer: Like to have fun but this can and does happen (bold).
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on November 20, 2012, 01:36:31 AM
Where does Michigan pull from? for amex and chase?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LeeW on November 21, 2012, 12:17:57 AM
Whoa. Just saw Discover in Ny pulled from both TU and Equifav. Pretty sneaky of them.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cbs on November 26, 2012, 03:18:49 PM
if on my application i put my temporary address, is that the state the pull will come from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on November 26, 2012, 03:22:02 PM
if on my application i put my temporary address, is that the state the pull will come from?

Yes but you it almost automatically shot down from instant approval since you probably will have to send in documents verifying address
Title: Re: Where Did Your Inquiries Pull From?
Post by: ari2955 on December 01, 2012, 03:16:04 PM
does anybody know where USbank pulls from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoyo6713 on December 01, 2012, 04:50:58 PM
CT past 6 months:

2 AMEX SPG : Experian
2 AMEX SPG Biz : Experian
2 Citi AA: Experian
2 Citi Premier TY: Experian
Title: Re: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 01, 2012, 10:23:43 PM
does anybody know where USbank pulls from in NY?
Quote from: Other site R"L :-X
Jasmine said,

In Western NY (Rochester) they pull Experian
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on December 01, 2012, 10:23:57 PM
freezing work?
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 01, 2012, 10:24:35 PM
freezing work?
no one knows its a new card!
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Yeki89 on December 02, 2012, 12:04:09 AM
amex: nj: experian
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on December 02, 2012, 12:06:58 AM
Discover: NJ - TU
(Actually they couldn't pull it bec it was frozen, but that's the one they tried to pull)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Drago on December 02, 2012, 03:49:25 AM
Anyone know about US Bank in Ohio?
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on December 02, 2012, 10:30:00 AM
NJ: Chase:experian
NJ:Amex spg: Experian
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 02, 2012, 05:59:22 PM
Discover: NJ - TU
(Actually they couldn't pull it bec it was frozen, but that's the one they tried to pull)
-1
Discover pulld TU & EQ
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on December 02, 2012, 06:02:49 PM
-1
Discover pulld TU & EQ
???
You can't "-1" my experience.
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 02, 2012, 06:05:02 PM
???
You can't "-1" my experience.
-1
Discover pulld TU & EQ
I coud "-1" whatever I please!!
Discover: NJ - TU
(Actually they couldn't pull it bec it was frozen, but that's the one they tried to pull)
They pull more than one Every Time!
Maybe they tried TU first and then gave up.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on December 05, 2012, 02:54:30 AM
Applied to Discover in OH, they pulled from TU. Just wondering where others in OH "make use" of Eq credit pulls. (I was assuming answer was discover, but besides for Marc's and 5% offers they don't seem to be too popular anyways...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 06, 2012, 02:57:33 PM
Can anyone list me cards that pull TU or EQ in NJ?
I'm applying for someone who has a Medical collection on Experian
Thanks!
Besides US AIR
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on December 20, 2012, 11:57:24 AM
Can anyone list me cards that pull TU or EQ in NJ?
I'm applying for someone who has a Medical collection on Experian
Thanks!
Besides US AIR

Since these are all suggestions and not official rules (a cc company may pull from 2 bureaus etc) wouldn't it make sense to freeze Experian? Don't take my word for it, but ask the more experienced ddf'ers if freezing would make sense... Good luck!
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on December 20, 2012, 01:06:40 PM
I tried Looking But I couldn't find an answer. Does anyone know where discover pulls from in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on December 20, 2012, 06:29:14 PM
Since these are all suggestions and not official rules (a cc company may pull from 2 bureaus etc) wouldn't it make sense to freeze Experian? Don't take my word for it, but ask the more experienced ddf'ers if freezing would make sense... Good luck!
yes and no.
you can't score on a 3bm if the first pull is frozen.
but you are right I should go one at a time w/ Chase
I tried Looking But I couldn't find an answer. Does anyone know where discover pulls from in NJ?
Why don't you scroll up 6 Posts!?!

US Bank pulled Experian in NJ
1 Pull for 2 BM
(did not check other reports yet so maybe more?)
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on December 20, 2012, 09:30:06 PM
I saw it but I was looking for other people's experience.
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on December 24, 2012, 02:53:30 PM
Chase ink bold: experian & transunion >:(
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on December 24, 2012, 03:55:36 PM
Chase ink bold: experian & transunion >:(
1) What state?
2) Do you see a pull on TU or the letter you received says so?
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on December 24, 2012, 11:25:31 PM
Sorry I guess that is pretty crucial! It was in NJ. I know because I applied to get the ink bold card and I called reconsideration, the rep told me that it was pulled from TU and experian, when I asked him. Btw, he wouldn't bite, said 8 months of credit wasn't enough. It's 15000 dollars in credit. Do you think I should keep trying?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mow on December 24, 2012, 11:40:42 PM
new jersey
amex -experian
citi - experian
barclays - tu
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on December 25, 2012, 11:48:45 AM
anyone can do a wiki here
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmermss on December 25, 2012, 11:56:50 AM
anyone can do a wiki here
Thanks
Working on it
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on December 25, 2012, 11:58:20 AM
Working on it
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmermss on December 25, 2012, 12:33:51 PM
A couple of pages in I saw elikay did it already...although it should get updated
Done (http://www.dansdeals.com/wiki/Where_Did_Your_Inquiries_Pull_From)
Title: Re: Where Did Your Inquiries Pull From?
Post by: mendeal on December 31, 2012, 08:50:23 PM
The only link I could find for Credit Inquiries is this http://wiki.dansdeals.com/Where_Did_Your_Inquiries_Pull_From (http://wiki.dansdeals.com/Where_Did_Your_Inquiries_Pull_From).
It looks great, the only thing is, it says last updated 2011 ???
should I assume its still the same good..
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on December 31, 2012, 09:04:32 PM
The only link I could find for Credit Inquiries is this http://wiki.dansdeals.com/Where_Did_Your_Inquiries_Pull_From (http://wiki.dansdeals.com/Where_Did_Your_Inquiries_Pull_From).
It looks great, the only thing is, it says last updated 2011 ???
should I assume its still the same good..
look
 (http://www.designofsignage.com/application/symbol/hospital/image/600x600/arrow-up.jpg)

Title: Re: Where Did Your Inquiries Pull From?
Post by: mendeal on December 31, 2012, 09:06:52 PM
lol
Title: Re: Where Did Your Inquiries Pull From?
Post by: Buruch on December 31, 2012, 11:17:41 PM
I just applied for a Chase (Freedom) card and the letter said it was pulled from TU. I live in California. The wiki says Experian/Equifax.
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on January 01, 2013, 09:26:44 AM
I just applied for a Chase (Freedom) card and the letter said it was pulled from TU. I live in California. The wiki says Experian/Equifax.
You will see this a lot.
Title: Re: Where Did Your Inquiries Pull From?
Post by: miles on January 01, 2013, 09:30:04 AM

in the wiki there is to reports for Bank of America ?

Bank of America: TransUnion
Bofa: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: HelpMe on January 01, 2013, 09:32:05 AM
in the wiki there is to reports for Bank of America ?

Bank of America: TransUnion
Bofa: Experian
You will see this a lot.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on January 06, 2013, 06:56:10 PM
I am from NY , looking to apply for a Discover Card

Do someone know from which agency the will pull ?

on the Wiki it says Trans Union , but the wiki was update last 2011

Please help
Title: Re: Where Did Your Inquiries Pull From?
Post by: nutcase on January 06, 2013, 07:16:43 PM
I am from NY , looking to apply for a Discover Card

Do someone know from which agency the will pull ?

on the Wiki it says Trans Union , but the wiki was update last 2011

Please help
no guarantee but prob. equifax poss. tu
check this link
http://creditboards.com/forums/index.php?app=creditpulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on January 06, 2013, 07:33:18 PM
What does this mean , "prob. equifax poss. tu"

I am a beginner here , please help  me out
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on January 06, 2013, 08:12:23 PM
What does this mean , "prob. equifax poss. tu"

I am a beginner here , please help  me out

The pull will probably be from equifax, but could possibly be from transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: nutcase on January 06, 2013, 11:16:40 PM
The pull will probably be from equifax, but could possibly be from transunion
thank you! yes that is exactly what I was saying they never pull from experian (which is good because all our good friends i.e chase,amex,citi only pull from experian) did you check out that link I provided? that is actual ppl. who applied they even give there credit score and credit line they got approved for. just out of curiosity why are you so worried?
Title: Re: Where Did Your Inquiries Pull From?
Post by: kls0654 on January 07, 2013, 10:15:35 AM
Thanks for your help

My Credit report is going from best to worse like these 1) TU, 2) Eq , 3) Exp. , I am trying to get more credit cards to my profile as this will increase my Credit Score ( my Score is about in the 700 range).

So I don't want to apply for Credit only where I am more certain I will get approved.

I am seeking help here & there , what I should do or not do
Title: Re: Where Did Your Inquiries Pull From?
Post by: aviz on January 09, 2013, 12:19:09 PM
IS chase making 2 pulls now? Ive done a couple 2 BMS this year and now signed up for Citi monitoring.... I see now that they have pulled from Transunion and Experian each time...
A friend of mine also got 2 pulls and i think when only applying for 1 card...

This was done in Illinois.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Kn9ght on January 09, 2013, 12:47:18 PM
I live in NC and Chase's pulled both EX & EQ for every single apps.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Tzfas on January 11, 2013, 12:19:44 PM
I did A 3BM with chase and after recon was approved.

Just a heads up for NY residents,  the British visa applications was pulled from Experian, however the united, and Ink was pulled from TU.

So thats 2 pulls but at least I was approved for all three so the pulls were not a waste.
Title: Re: Where Did Your Inquiries Pull From?
Post by: dirah on February 17, 2013, 07:03:07 AM
Applied for Citi AA (in NY), and got a pull from EX.
I was caught completely by surprise, as my last thirty-something apps (spouse's included) over the last five years were all pulled from EQ, without exception.
Reading though this thread, I see that this has already been reported, just wondering if there is any pattern, or completely at random.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on February 17, 2013, 07:52:28 AM
My wife applied for the Freedom and United cards from Chase. One pulled from Experian and one from Transunion.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mgarfin on April 11, 2013, 01:56:43 PM
Is there any point in doing a 3BM for Barclays as I learn from here, that I will still get three pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on April 11, 2013, 02:14:36 PM
Is there any point in doing a 3BM for Barclays as I learn from here, that I will still get three pulls.

I only got one on the first (miliseconds), the other 2 were automatically shot down.
Title: Re: Where Did Your Inquiries Pull From?
Post by: patrice on April 12, 2013, 09:52:33 AM
Applied for a United MileagePlus Explorer from Chase. Pulled from Trans Union. I live in Illinois.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on April 12, 2013, 04:39:31 PM
Wife applied to Citi, got pulled from TU (New York).
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on April 12, 2013, 04:50:24 PM
Wife applied to Citi, got pulled from TU (New York).

I guess it has become random. Unpredictability is bad for us.

If I know that they will pull TU, I would apply for my wife.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Smokey Joe Robinson on April 12, 2013, 05:37:13 PM
Wife applied to Citi, got pulled from TU (New York).

for which citi card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on April 12, 2013, 05:47:50 PM
for which citi card?
aa amex and visa. one pull
Title: Re: Where Did Your Inquiries Pull From?
Post by: MEIR613 on April 12, 2013, 05:52:14 PM
aa amex and visa. one pull
That's awesome. Well worth a TU pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Smokey Joe Robinson on April 12, 2013, 05:53:30 PM
aa amex and visa. one pull

when was this?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on April 12, 2013, 05:54:48 PM
aa amex and visa. one pull

Instant approval on both? Same second?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on April 12, 2013, 05:59:51 PM
That's awesome. Well worth a TU pull.
Granted he was approved...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on April 23, 2013, 11:12:04 AM
MD

EX- AMEX
       CITI
       BOA
       CHASE

EQ-CHASE

FEEL FREE TO EDIT


anyone else have MD experience?
Do you know which one was chase bank account and which was chase cc?
I don't believe MD made it to the wiki yet...
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on April 23, 2013, 12:28:10 PM
Granted he was approved...
when was this?
That's awesome. Well worth a TU pull.
Approved for only one (as is the norm now).
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on April 23, 2013, 02:48:32 PM
Approved for only one (as is the norm now).
What reason did they give? Two of the same card, or two apps per day?
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on April 25, 2013, 12:48:48 AM
Ive been searching but have gotten mixed results
I want to do a chase biz 3bm in NY
Who will they pull, EX, EQ or even both!?
Anyone with a recent experience?
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on April 25, 2013, 07:53:30 AM
Ive been searching but have gotten mixed results
I want to do a chase biz 3bm in NY
Who will they pull, EX, EQ or even both!?
Anyone with a recent experience?
Thanks
Usually EX, sometimes EQ, IME.
Title: Re: Where Did Your Inquiries Pull From?
Post by: na87ch on April 28, 2013, 03:37:19 PM
NJ
PenFed = equifax
Discover= equifax
chase = experian
amex = experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on April 29, 2013, 10:57:01 AM
NJ
PenFed = equifax
Discover= equifax
chase = experian
amex = experian

Your ddf location (on side) says MD. Do the credit bureaus have your address in NJ?
Not sure how that works if someone just moved, or has multiple addresses on credit report, was this discussed before?
Title: Re: Where Did Your Inquiries Pull From?
Post by: na87ch on April 29, 2013, 01:22:25 PM
The mistake is in my DDF profile. it should say NJ
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on April 29, 2013, 02:37:05 PM
MD

EX- AMEX
       CITI
       BOA
       CHASE

EQ-CHASE

FEEL FREE TO EDIT


anyone else have MD experience?
Do you know which one was chase bank account and which was chase cc?
I don't believe MD made it to the wiki yet...


bump...
Title: Re: Where Did Your Inquiries Pull From?
Post by: aviz on May 21, 2013, 04:53:09 PM
Fresh off a first APP-O-RAMA 

ILLINOIS:

CHASE (2 cards) - TRANSUNION and EXPERIAN
AMEX (2 Cards) - EXPERIAN
BARCLAYS (US Air) - Transunion
US BANK (Club Carlson) - Equifax

And when i applied a little while back for Citi....
Citi (AA) - Equifax
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on May 21, 2013, 09:20:47 PM
Anyone know where US Bank pulls from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on May 21, 2013, 10:51:07 PM
Anyone know where US Bank pulls from in NY?

Experian

Applied for the Lanpass 2 weeks ago from us bank and got this pull:

'Business Loan   U S BANK CONSOLIDATED'
Title: Chase Bank NY
Post by: avadah on May 29, 2013, 07:19:41 AM
Which credit union does Chase in NY pull from for credit cards?
Title: Re: Chase Bank NY
Post by: DP7 on May 29, 2013, 07:38:18 AM
Which credit union does Chase in NY pull from for credit cards?


http://forums.dansdeals.com/index.php?topic=6373


You have a good track record of not searching other threads at all before you start new threads.
Title: Re: Chase Bank NY
Post by: raphy781 on May 29, 2013, 08:14:09 AM

http://forums.dansdeals.com/index.php?topic=6373


You have a good track record of not searching other threads at all before you start new threads.
@DP7 you're on a roll this morning^-^
Title: Re: Where Did Your Inquiries Pull From?
Post by: izzchuck on May 29, 2013, 08:28:23 AM
NJ discover: experian :(
Title: Re: Chase Bank NY
Post by: zek on May 29, 2013, 08:31:53 AM
Credit union?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zevwolf on June 05, 2013, 02:25:20 PM
Just applyed in new york AMEX/CITI pulled experian BARCLAYS tu.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Racer7400 on June 05, 2013, 06:06:38 PM
Applied to 2 Amex and 2 chase (in January) each pulled from all 3
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on June 05, 2013, 07:00:55 PM
Applied to 2 Amex and 2 chase (in January) each pulled from all 3
which isn't as bad in NJ as other states as Experian is only one that really matters anyways...

I just got all 3 pulled from Amex in OH and 2 pulls from Chase... Does anyone know why, besides YMMV... (yes, I used different browsers on same day)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on June 05, 2013, 07:36:17 PM
Just reminding everyone that there's no use of posting where you got your pulls if you don't post your location.
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on June 05, 2013, 10:33:42 PM
Just reminding everyone that there's no use of posting where you got your pulls if you don't post your location.
And if its already in the wiki.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on June 06, 2013, 12:23:41 AM
And if its already in the wiki.
Not so sure the wiki is accurate, it never mentions 2/3 pulls besides for Cap1...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Racer7400 on June 06, 2013, 09:19:37 AM
Just reminding everyone that there's no use of posting where you got your pulls if you don't post your location.
my location is stated in location: Lakewood nj.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on June 06, 2013, 09:36:16 AM
my location is stated in location: Lakewood nj.
I'm talking to those that don't have their location listed. (Agav. yesterday, i don't recall seeing that "Lakewood nj"... but whatever... ;))
Title: Re: Where Did Your Inquiries Pull From?
Post by: Mimi K. on June 06, 2013, 01:57:48 PM
NJ discover: experian :(
Check your TU. you probably have one there too.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zevwolf on June 07, 2013, 12:13:41 AM
Just applyed in new york AMEX/CITI pulled experian BARCLAYS tu.
update today I see that CITI also pulled from eq.I have citi identity monitor it showed up a day later. It was only a 1B. Did someone have that experience?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on June 07, 2013, 12:30:00 AM
update today I see that CITI also pulled from eq.I have citi identity monitor it showed up a day later. It was only a 1B. Did someone have that experience?

Applied to 2 Amex and 2 chase (in January) each pulled from all 3
which isn't as bad in NJ as other states as Experian is only one that really matters anyways...

I just got all 3 pulled from Amex in OH and 2 pulls from Chase... Does anyone know why, besides YMMV... (yes, I used different browsers on same day)
Similar... When I called Chase they only mentioned TU, but pulled Experian as well, don't think it was HUCA that pulled, but not good news...
Title: Re: Where Did Your Inquiries Pull From?
Post by: DP7 on June 13, 2013, 11:25:01 AM
Is a pull for a car lease a hard pull? Where was your pull from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on June 13, 2013, 05:19:31 PM
Is a pull for a car lease a hard pull? Where was your pull from in NY?

Yes, for sure, since the whole point of a pull is whenever applying to extend credit, you get hard pull. I'm sure it wouldn't just depend on the state, but also the bank that is checking your credit...
Title: Re: Where Did Your Inquiries Pull From?
Post by: DP7 on June 13, 2013, 05:53:50 PM
Yes, for sure, since the whole point of a pull is whenever applying to extend credit, you get hard pull. I'm sure it wouldn't just depend on the state, but also the bank that is checking your credit...

Anyone know where Wheels to Lease pulls from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: money spender #4 on June 14, 2013, 11:48:23 AM
Giftcards to where?

Here (http://www.identitymonitor.citi.com/index.aspx?source=IMN00291)'s a $4.95 link, methinks it's officially for Citi employees... I just realized the Citi IM service only includes one refresh a month.

is City Identity monitor have accurate scores??
Title: Re: Where Did Your Inquiries Pull From?
Post by: money spender #4 on June 14, 2013, 11:48:51 AM
Anyone know where Wheels to Lease pulls from?

call them and ask them on the phone they should tell you.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on June 14, 2013, 11:53:18 AM
is City Does Citi Identity monitor have accurate scores??

FTFY. Sheesh.

And, I don't know what you mean by "accurate" but to the extent it helps, they're FAKO.
Title: Re: Where Did Your Inquiries Pull From?
Post by: DP7 on June 14, 2013, 02:06:10 PM
Anyone know where Wheels to Lease pulls from?

Data point- American Honda Financial, as leased through Wheels to Lease in NY pulled from Experian.
Title: Re: Where Did Your Inquiries Pull From?
Post by: jj1000 on July 11, 2013, 11:50:23 PM
Barclay pulled my Experian in Ohio.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on July 12, 2013, 07:08:41 AM
And chase pulled my TU in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: lfas25 on July 12, 2013, 09:26:57 AM
I applied for Amex cards last Friday.
1st got approved instantly - pulled from Experian
2nd card was pending got approved on the 10th and I see another pull on Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on July 12, 2013, 11:29:35 AM
Barclay pulled my Experian in Ohio.
I'm guessing TU would be better, oh well.
Title: Re: Where Did Your Inquiries Pull From?
Post by: avadah on July 15, 2013, 01:19:08 PM
Just got off the phone with Cap!. I wanted to switch my venture card to one without an AF and hold onto my points. The rep told me to apply for a new CC and switch it over. When I told him I don't want the inquiry on my CR he said Cap1 only does soft pulls? Is this some new policy or is he just clueless?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on July 15, 2013, 02:12:19 PM
Just got off the phone with Cap!. I wanted to switch my venture card to one without an AF and hold onto my points. The rep told me to apply for a new CC and switch it over. When I told him I don't want the inquiry on my CR he said Cap1 only does soft pulls? Is this some new policy or is he just clueless?

Clueless.
Title: Re: Where Did Your Inquiries Pull From?
Post by: avadah on July 15, 2013, 05:12:39 PM
Do pre-approved cc's also cause a hard pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zevwolf on July 15, 2013, 05:31:16 PM
Yes
Title: Re: Where Did Your Inquiries Pull From?
Post by: meshugener on July 18, 2013, 04:36:53 PM
And chase pulled my TU in NY.
Did you open a new Chase checking/savings account?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on July 18, 2013, 04:42:59 PM
Did you open a new Chase checking/savings account?
Nope. I think this was a recon pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: chookshook on July 20, 2013, 01:54:06 AM
AMEX, BOA, CITI, and Chase all pulled EXP in nor cal. Barclay pulled Transunion.

Can I free exp next time and force citi and boa to pull another and maybe chase too?
Title: Re: Where Did Your Inquiries Pull From?
Post by: churnbabychurn on July 24, 2013, 02:25:53 PM
Chase biz recon just pulled TU in NJ  >:(
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 09, 2013, 10:42:21 AM
Nissan motor pulled my eq in NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 09, 2013, 10:48:06 AM
Anyone know where Wheels to Lease pulls from?
I don't think it matters which company you lease through. What matters is which bank will extend the credit. (Ex: hmf, nmac, etc.) the bank is gonna take the risk and they are the ones who will pull your cr.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on August 09, 2013, 11:37:23 AM
I don't think it matters which company you lease through. What matters is which bank will extend the credit. (Ex: hmf, nmac, etc.) the bank is gonna take the risk and they are the ones who will pull your cr.
Good call this makes sense, but would you know which bank they usually use or which bureau any of the banks pull from?
Not leasing just trying to answer a Q with a Q...
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 09, 2013, 01:43:26 PM
Depends how you try to lease, sometimes you just get the loan from the co selling the car ie: honda, hyundai, toyota, etc. other times the third party that you are trying to lease from shops around for you for a loan, in which case you can have multiple inquiries for one loan. I got a loan thru hmf, but have two inquiries for the same day, one from hyundai, the other from a co called credco. Although i just read that in such cases both inquiries are considered only one pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 11, 2013, 02:05:42 AM
Did a 3bm w Chase Fri in NY, got one pull on ex.  :) Think I was declined for two with only one pending.  :-\ (called the 800 number, two cards said 7-10 days, only one said two weeks)
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on August 12, 2013, 09:59:19 AM
i have citi monitoring,
chase and amex so a new enquiry on experian but barclays says "New Trade Line"
whats that mean?
i am in ny
tia
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zevwolf on August 12, 2013, 10:33:20 PM
New line of credit
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 12, 2013, 10:46:23 PM
Did a 3bm w Chase Fri in NY, got one pull on ex.  :) Think I was declined for two with only one pending.  :-\ (called the 800 number, two cards said 7-10 days, only one said two weeks)
Approved all three, one pull on Ex.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 19, 2013, 11:19:19 AM
Any recent reports of what report Citi pulls in NJ? Even better would be reports of the Citi AA app.
Title: Re: Where Did Your Inquiries Pull From?
Post by: churnbabychurn on August 19, 2013, 01:27:03 PM
Any recent reports of what report Citi pulls in NJ? Even better would be reports of the Citi AA app.
Experian.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 19, 2013, 02:07:54 PM
Experian.

 :'(
Title: Re: Where Did Your Inquiries Pull From?
Post by: churnbabychurn on August 19, 2013, 02:37:29 PM
:'(
+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on August 19, 2013, 02:39:19 PM
Rent a mailing address from someone in Chicago :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 19, 2013, 02:47:47 PM
Rent a mailing address from someone in Chicago :)
???
Or NYC
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on August 19, 2013, 02:52:55 PM
???
Or NYC
my nyc app also pulled from experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on August 19, 2013, 02:55:34 PM
???
Or NYC
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 19, 2013, 03:39:50 PM
Well that is nice  :D
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on August 19, 2013, 03:43:47 PM
Now who's going to add that #DDSeminar slide to the pros and cons thread :D
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 19, 2013, 04:30:38 PM
Now who's going to add that #DDSeminar slide to the pros and cons thread :D

Ha.

Too bad. I believe Citi used to pull EQ for NJ... at least for the Hilton Cards anyway.
Title: Re: Where Did Your Inquiries Pull From?
Post by: SrulyP on August 19, 2013, 04:36:43 PM
Can anyone help me find info on credits pulls for Maryland?
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on August 19, 2013, 04:40:28 PM
seems citi pulled equifax when i applied and i called 20 minutes later to approve and they pulled experian??
they didnt say anything about checking another report. im in NY btw
Title: Re: Where Did Your Inquiries Pull From?
Post by: myb821 on August 19, 2013, 05:04:01 PM
Citi chase and boa all pulled experian here in NY for me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on August 19, 2013, 06:40:28 PM
My question is why the second pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 19, 2013, 11:12:26 PM
seems citi pulled equifax when i applied and i called 20 minutes later to approve and they pulled experian??
they didnt say anything about checking another report. im in NY btw
I had a similar experience, i even asked which report they pulled and they only told me about eq, not ex.
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 20, 2013, 12:08:50 AM
Amex pulled all 3?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 12:16:55 AM
Actually just had an issue w amex where they pulled my report even though i did not apply for credit!!!  >:(
Called them waiting fir a call back.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on August 20, 2013, 12:19:24 AM
Actually just had an issue w amex where they pulled my report even though i did not apply for credit!!!  >:(
Called them waiting fir a call back.
How did you know that they pulled it?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 12:47:13 AM
Identity monitor
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 20, 2013, 01:02:23 AM
Amex pulled all 3?
Any advice? Is this normal?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 04:04:05 PM
Approved all three, one pull on Ex.
apparently citi in ny is now pulling ex as well as eq for aa apps.  >:( >:(
happened to me and my wife.
They pull ex just to verify name, ssn, address etc.
I know its a repost, but belongs here as well...
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 20, 2013, 04:15:16 PM
Actually just had an issue w amex where they pulled my report even though i did not apply for credit!!!  >:(
Called them waiting fir a call back.

You're sure it was a hard pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 20, 2013, 04:55:11 PM
they hard pulled me twice but i dont know if it was because i called in to approve it..see 10 posts up

Didn't quote you...
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on August 20, 2013, 04:56:15 PM
Didn't quote you...
my bad..i will delete
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 08:47:49 PM
You're sure it was a hard pull?
Yes
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 08:49:19 PM
seems citi pulled equifax when i applied and i called 20 minutes later to approve and they pulled experian??
they didnt say anything about checking another report. im in NY btw
Nothing to do with calling.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 20, 2013, 09:09:46 PM
Yes

 ???

You said "amex"

Actually just had an issue w amex where they pulled my report even though i did not apply for credit!!!  >:(
Called them waiting fir a call back.

What's that got to do with your picture?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 09:15:37 PM
2 diff stories.
Citi pulled my Ex CR even though rep said only Eq.

another story, I applied for the Amex plat 100k offer targeted to my wife in July and it pulled her CR. Called Amex to remove since she did not apply for credit and rep said ok, but instead they added another inquiry in August. Spoke with a supervisor and waiting for a call back to straighten it out.
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 09:16:19 PM
Sorry for the confusion  :-*
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on August 20, 2013, 10:15:41 PM
Does it make any sense that my credit Experian report was pulled 3 times for a car lease??? (Twice by Honda and once by credco.)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Lou Bob on August 20, 2013, 10:25:06 PM
Does it make any sense that my credit Experian report was pulled 3 times for a car lease??? (Twice by Honda and once by credco.)
yes. Don't worry. Any pulls within 30 days of #1 won't hurt you
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on August 20, 2013, 10:35:32 PM
yes. Don't worry. Any pulls within 30 days of #1 won't hurt you
Then why do a 2, 3bm etc. if the number of pulls doesn't matter?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 10:41:17 PM
for auto loan and mortgages they lump all inquiries within 30 days into one pull. CC's are diff.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Lou Bob on August 20, 2013, 10:41:36 PM
Then why do a 2, 3bm etc. if the number of pulls doesn't matter?
cars are diff. Credit cards show that you are looking for credit. Car pulls,they know that ur looking for a car w good price. It's different
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 20, 2013, 10:42:52 PM
cars are diff. Credit cards show that you are looking for credit. Car pulls,they know that ur looking for a car w good price. It's different
+1
Credco is an agent shopping around for a cheap rate for you to borrow for a car loan.
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on August 21, 2013, 12:09:18 AM
cars are diff. Credit cards show that you are looking for credit. Car pulls,they know that ur looking for a car w good price. It's different


+1
Credco is an agent shopping around for a cheap rate for you to borrow for a car loan.
Thanx. I find it weird though that Honda pulled my Experian twice, although each one has a separate address.
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 21, 2013, 12:35:55 AM
2 diff dealers?
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on August 21, 2013, 12:44:24 AM
2 diff dealers?
Both are Honda Financial Services, but have different addresses.
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 21, 2013, 12:44:42 AM
anyone have an explanation about this?

amex pulled form 3?

citi pulled form 2?
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 21, 2013, 12:46:14 AM
anyone have an explanation about this?

citi pulled form 2?
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on August 21, 2013, 12:48:57 AM
anyone have an explanation about this?

citi pulled form 2?
It's been discussed here
http://forums.dansdeals.com/index.php?topic=29745.0
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 03:31:02 PM
cars are diff. Credit cards show that you are looking for credit. Car pulls,they know that ur looking for a car w good price. It's different

Thanx. I find it weird though that Honda pulled my Experian twice, although each one has a separate address.

I have heard that CC companies lump auto loan pulls all together in one pull in regards to the 5-10 point hit on Credit Score, but it still looks like 3 hits on a credit report.  Are they still considered "multiple pulls," in that CC companies view them as 3 pulls on your credit score?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 21, 2013, 03:37:37 PM
Yes IMHO.
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 03:39:37 PM
Yes IMHO.

If CC companies see auto pulls are multiple pulls, is there a good way to try to remove/consolidate them into only 1 pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 21, 2013, 04:33:24 PM
No.
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 04:52:27 PM
So basically you're stuck with 3 pulls on your credit report until they fall off?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 21, 2013, 05:25:26 PM
Correct.
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 05:29:13 PM
With that said, worth it to dispute the pulls with Experian?
Title: Re: Where Did Your Inquiries Pull From?
Post by: CountValentine on August 21, 2013, 05:31:55 PM
So basically you're stuck with 3 pulls on your credit report until they fall off?
...or if it is TU or EQ search for "bumpage".
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 05:38:03 PM
It's Experian - any chance I can dispute?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on August 21, 2013, 06:21:23 PM
It's Experian - any chance I can dispute?

... on what grounds?  ???
Title: Re: Where Did Your Inquiries Pull From?
Post by: LA2NYC on August 21, 2013, 06:23:19 PM
It's the same pull from same company on same date - shouldn't be there twice!
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 21, 2013, 06:46:47 PM
Don't think that will work. Tried with my Citi pull, the rep at the CR said the only way off was to get a letter from Citi that they did not pull the CR. Otherwise its gonna stay. You can always dispute it in writing, but I dunno what happens if you dispute and lose...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Freddie on August 22, 2013, 01:34:22 AM
Dumb question... or maybe brilliant!  :)

Does the state go by where you live or by the IP address of where you are when you fill out the ap?

Catch my drift?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Saver2000 on August 22, 2013, 01:43:54 AM
Dumb question... or maybe brilliant!  :)

Does the state go by where you live or by the IP address of where you are when you fill out the ap?

Catch my drift?
I would assume it goes by the zip code that you put on the application, but I may be wrong.
(Definitely not by IP address)
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 22, 2013, 08:47:16 AM
Normal to get 1 amex pull on each cb for applying for 1 card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: jaywhy on August 22, 2013, 09:04:05 AM
Normal to get 1 amex pull on each cb for applying for 1 card?
Certainly not.
Title: Re: Where Did Your Inquiries Pull From?
Post by: smaxber on August 22, 2013, 09:11:03 AM
Certainly not.
Then there is no explanation for why there r 3 all on the same day.

How do I go about this?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on August 22, 2013, 10:25:20 AM
Then there is no explanation for why there r 3 all on the same day.

How do I go about this?

Happened to me too, I wrote on 2/3/4bm thread back in late May early June... There's nothing to do about pulls that already hit, my Q is if there is anything to avoid it happening in future.
Amex only really cares about Experian (when I called recon, they didn't even know about other bureaus' reports). I'd want to know what triggered the multiple pulls...
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on August 22, 2013, 03:10:31 PM
Didn't happen to me
Title: Re: Where Did Your Inquiries Pull From?
Post by: shimino1 on August 22, 2013, 06:55:42 PM
Anything recent on CA? I know the wiki says experian for citi but my citi app from April  pulled from equifax.
Can it have anything to do with the fact that I did not yet have any credit score at all?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 09, 2013, 01:20:28 PM
Anyone in NY/NJ who recently applied for Citi and did not have BOTH EQ and EX pulled?
Title: Re: Where Did Your Inquiries Pull From?
Post by: raphy781 on September 09, 2013, 08:02:36 PM
Anyone in NY/NJ who recently applied for Citi and did not have BOTH EQ and EX pulled?
Im not sure. Credit secure says only my Equifax was pulled, but Equifax identity monitor (not sure what it's called) says my Experian was pulled as well.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 09, 2013, 11:01:11 PM
Im not sure. Credit secure says only my Equifax was pulled, but Equifax identity monitor (not sure what it's called) says my Experian was pulled as well.

I'd say that if either says it was pulled, it was pulled.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Smokey Joe Robinson on September 10, 2013, 07:13:21 PM
Anyone in NY/NJ who recently applied for Citi and did not have BOTH EQ and EX pulled?

I tried in May, they only pulled EX which was frozen. No EQ. I decided not to unfreeze and just let the apps die. Perhaps worth another shot at 50k now. If lucky theyll pull EQ this time.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on September 10, 2013, 07:23:40 PM
May is awhile ago, but thanks for the data point.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Smokey Joe Robinson on September 10, 2013, 07:32:21 PM
May is awhile ago, but thanks for the data point.
Np, I can only give what I got.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on September 23, 2013, 08:56:16 PM
I see the Wiki says Discover pulls from TU in NY. I just applied for a card with them and they first tried my frozen Experian and then moved on to Equfax.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on September 23, 2013, 11:52:54 PM
I see the Wiki says Discover pulls from TU in NY. I just applied for a card with them and they first tried my frozen Experian and then moved on to Equfax.

What discover card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on September 24, 2013, 06:51:05 AM
What discover card?
'Discover It'
Title: Re: Where Did Your Inquiries Pull From?
Post by: chff on October 15, 2013, 12:17:38 PM
Applied in Oct. 2013, NYC resident

AMEX (2BM) - EX
CHASE (2BM) - EX
CBNA (Citi) - EX & EQ
BOFA - EX
Discover - EQ
US Bank - EX

Title: Re: Where Did Your Inquiries Pull From?
Post by: AharonInIsrael on October 23, 2013, 07:10:05 AM
Does CitiIdentityMonitor tell me where my report was pulled from? How do I find that out?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on October 23, 2013, 09:45:23 AM
Does CitiIdentityMonitor tell me where my report was pulled from? How do I find that out?
Yes, Citi id mon used to give all 3 reports (and 3 FAKO scores) as soon as you log in. Now you have to click somewhere or other to show all 3. Once you do look at credit pull section, you'll see hwo pulled when and from which bureau...
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 23, 2013, 09:55:03 AM
Yes, Citi id mon used to give all 3 reports (and 3 FAKO scores) as soon as you log in. Now you have to click somewhere or other to show all 3. Once you do look at credit pull section, you'll see hwo pulled when and from which bureau...

FYI Once you login, if you click "Credit Report" you'll be able to scroll down and see all the pulls alphabetically and it will only list the month/year of the pull. But if on the Overview page (the first page you see when you login), you click "Informational Credit Scores" instead, and then go one by one clicking on the grey boxes that say "Equifax Based Score" "Experian..." you can scroll down there and see all pulls chronologically and get the exact date of each pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: AharonInIsrael on October 23, 2013, 10:12:35 AM
Thanks to the both of you!
I got only one pull from Experian via a Chase 2BM (NJ address).
 
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 23, 2013, 10:36:54 AM
I applied for 6 Chase cards (4 approvals) in the last ~30 days (2bm then a 4bm) some personal, some biz. Turns out everything was on 1 pull (Experian) including recons on almost every card until a recon on a Hyatt last week pulled a new report from TransUnion.

Another perfect case of YMMV
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 23, 2013, 11:09:23 AM
And in regards to my AOR Sunday night...
[bBarclays[/b] 3 apps (all personal) = 1 pull on TU
Citi 3 apps (2 pers/1 biz) = 2 pulls on EQ (both on same day and they both showed up separately) and 1 pull on EX (wow, they really do kill you - TRDKY?)
AMEX 4 apps (2 pers/1 biz/1 pers charge) = 2 pulls on EX but 1 was the following day (which I found out was from one of the previous day's apps (1 of the pers, not even the biz!) because it just didn't pull it. = lesson learned to apply early in the day so the computer can take time to process and not kill 2 days.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on October 23, 2013, 08:52:31 PM
Why are people still trying Citi 2/3BMs? ::)
Title: Re: Where Did Your Inquiries Pull From?
Post by: DovtheBear on October 25, 2013, 12:57:33 AM
Why are people still trying Citi 2/3BMs? ::)
As opposed to?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on October 25, 2013, 03:15:05 AM
As opposed to?
How many other options did i leave there? :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: menachem_m on October 25, 2013, 04:18:54 AM
Why are people still trying Citi 2/3BMs? ::)
What ya have to lose?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on October 25, 2013, 05:01:56 AM
What ya have to lose?
There were reports that even though those extra apps were thrown out, they still counted towards the 2 apps in 60/65 days and one biz app in 90 days.
Title: Re: Where Did Your Inquiries Pull From?
Post by: DovtheBear on October 25, 2013, 10:37:40 AM
How many other options did i leave there? :)
I thought you wanted higher. ::)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on October 25, 2013, 12:11:11 PM
There were reports that even though those extra apps were thrown out, they still counted towards the 2 apps in 60/65 days and one biz app in 90 days.
I got a 2BM via the stork during the recent funfest.
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on October 25, 2013, 01:29:00 PM
Interesting, Just applied for a citi business w/o freezing ex and did not get a pull on it. (NYC)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Shmulyg on October 25, 2013, 04:29:22 PM
I thought you wanted higher. ::)
Lol! No, not with Citi.
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on October 27, 2013, 09:09:50 PM
Did a 2 bm last week w Amex and for some reason the 2nd card app did not go through till the next day. Now I have two inquiries on back to back days >:(
How do I combine them?
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 27, 2013, 10:28:19 PM
Did a 2 bm last week w Amex and for some reason the 2nd card app did not go through till the next day. Now I have two inquiries on back to back days >:(
How do I combine them?

Did a 4bm and also had a 2nd pull the next day. The biz card I applied for wasn't approved that first day, so I assume it was another pull for that. Was one of yours a biz card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: ayman on October 27, 2013, 11:04:25 PM
not w amex. Had two pulls w Chase as well but that I expected... one pers and 2 bus.
Title: Re: Where Did Your Inquiries Pull From?
Post by: hertzinstl on October 28, 2013, 07:56:43 AM
MO:
chase, TU
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on October 28, 2013, 03:00:38 PM
Did a 4bm and also had a 2nd pull the next day. The biz card I applied for wasn't approved that first day, so I assume it was another pull for that. Was one of yours a biz card?
What time was the 4bm, may be useful info for the future and for the rest of us...
Title: Re: Where Did Your Inquiries Pull From?
Post by: bobthebuilder on October 28, 2013, 05:38:16 PM
MO:
chase, TU
?
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 28, 2013, 09:02:42 PM
What time was the 4bm, may be useful info for the future and for the rest of us...

Sunday around 11PM
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on October 29, 2013, 01:07:08 AM
Sunday around 11PM
Lesson learned, next time AOR or 3bm weekday early in day...
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on October 29, 2013, 12:29:52 PM
Lesson learned, next time AOR or 3bm weekday early in day...

+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: hertzinstl on October 29, 2013, 01:23:20 PM
Lesson learned, next time AOR or 3bm weekday early in day...
Does the time actually make a difference?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on October 29, 2013, 01:45:56 PM
Does the time actually make a difference?
If someone gets 2 pulls 4 or 5 days apart for one app (or a 3bm) then it has nothing to do with time... So far only reports of a 2nd pull the next day from ppl that applied late in the day...
As far as calling recon, where it's best to call day of app, applying earlier in day leaves more time to PUTPAC...
Title: Re: Where Did Your Inquiries Pull From?
Post by: smurf on October 30, 2013, 02:19:17 PM
Any recent experience with barclays in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: wonderlust on November 10, 2013, 06:58:59 PM
I just did a 2bm citi ( business& personal) from ny. I froze Experian & was told they cAn only pull from Experian on this app & that the system is random. I cancelled the application & am now debating : 1- applying on phone & telling them mom-Experian ( worked with chase 4 me)
2- applying from nj or pA . Both states on my credit report .
3- reapplying same & hoping 4 different results ( einstiens adage not with standing )..
Any advice ?
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: AharonInIsrael on November 11, 2013, 04:09:29 AM
Applying from NJ won't change anything - they definitely pull from Experian in NJ (don't know about PA). From other posters it seems like they're more flexible with using a different bureau for personal cards and not business, but I don't know at all if there's a difference when applying via phone - anyone else have experience to add?
Title: Re: Where Did Your Inquiries Pull From?
Post by: wonderlust on November 11, 2013, 08:28:40 AM
Thanks.what percentage are from pulled from exp in ny? I was under the impression most were eqfx . Is it s/t that is at the discretion of agent & therefore huca or is it indeed locked ? Pa is wife's home  address which I have chase Buisness cards address listed under so should come up under my credit report..  Also I have a aa vista Platnuim from 2 yrs ago . Should I not give my advantage number on application to increase chance of being able to churn..
Title: Re: Where Did Your Inquiries Pull From?
Post by: AJK on November 11, 2013, 10:38:05 PM
Citi pulled EQ and EX in NJ for Citi app with automagic approval.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on November 22, 2013, 05:30:01 AM
I did an AOR on 11/18, only one amex card and they didn't pull until 11/21. Ex in NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: joeberg on November 22, 2013, 07:04:46 AM
Citi pulled EQ and EX in NJ for Citi app with automagic approval.
Which app has it and what does that mean.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on November 22, 2013, 07:41:04 AM
Which app has it and what does that mean.
autocorrect  :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on November 22, 2013, 10:32:19 AM
I did an AOR on 11/18, only one amex card and they didn't pull until 11/21. Ex in NY
instant approval? if not probably u wore doing it as part of AOR and thy couldn't pull u credit and fico score. I just did AOR and4BM with amex no instant approvals   I checked my CR and it didn't show pull from amex called to expedite and it showed right after
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on November 22, 2013, 10:38:53 AM
NJ
amex EX 4BM B&P
chase bus EX 3BM
citi EX two pulls B&P 2BM
Barclay TU 3BM
Title: Re: Where Did Your Inquiries Pull From?
Post by: Red on November 23, 2013, 12:09:50 PM
instant approval? if not probably u wore doing it as part of AOR and thy couldn't pull u credit and fico score. I just did AOR and4BM with amex no instant approvals   I checked my CR and it didn't show pull from amex called to expedite and it showed right after
???
How could it have been an instant approval when they only pulled my report a few days later? I only did one amex card so they should have pulled it right away.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on November 23, 2013, 09:48:15 PM
???
How could it have been an instant approval when they only pulled my report a few days later? I only did one amex card so they should have pulled it right away.
didn't pay attention for the one card but the point is if amex try to get your fico and cant get it do to other banks who pulled it at the same time it might be need to be done manually
Title: Re: Where Did Your Inquiries Pull From?
Post by: mochada on November 25, 2013, 10:31:17 PM
Anyone with experience using a Georgia address?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Moshe123 on December 13, 2013, 09:47:40 AM
Find what's wrong in this wiki!

Quote
Amex: Experian (three browser trick confirmed, at least for AsherO)
Bank of America: TransUnion
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for AsherO)/equifax
Citi: Equifax (three browser trick confirmed (AsherO), though it seems biz card was a separate pull), both personal and biz pulls./Experian
Discover: TransUnion
SimmondsFirst: TransUnion
chase banking: trans union
Barclays: TransUnion (browser trick didn't work, two apps two pulls)
Bofa: Experian
Schwab: Equifax
Macy's: Experian
M and T Bank: All 3 (Both cc and loans)

Lol
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on December 14, 2013, 11:50:03 PM
where bofa pulls in NJ
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on December 30, 2013, 04:39:34 PM
I just checked my CR from TU and it says that amex pulled. Is that weird for NY? They also pulled EXP for the same app.
???
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on January 08, 2014, 11:56:57 AM
Anyone know where US bank pulls from in NY? also is the Avianca life miles credit card worth to get?
Title: Re: Where Did Your Inquiries Pull From?
Post by: tuvz on January 23, 2014, 03:09:08 PM
I just checked my CR from TU and it says that amex pulled. Is that weird for NY? They also pulled EXP for the same app.
???

Did you do a 3bm?
I have had amex pull both EX and TU before
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on January 28, 2014, 10:31:55 AM
Did you do a 3bm?
I have had amex pull both EX and TU before
I did but for some reason they canceled the 2 latter ones after they declined the first. Would that trigger pulls from 2 CBs?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Lou Bob on January 30, 2014, 01:56:05 PM
Ny
Chase personal got ex,  biz got tu
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on January 30, 2014, 06:08:20 PM
I just checked my CR from TU and it says that amex pulled. Is that weird for NY? They also pulled EXP for the same app.
???
Amex pulled all three for my first amex card
Title: Re: Where Did Your Inquiries Pull From?
Post by: kivabb on February 03, 2014, 12:53:12 PM
I see now on the 2 BOA Hawaii business cards i got in summer pulled from Trans Union which is pleasant surprise for Lakewood NJ. Anyone have similar experience in Lakewood? Personal same as business?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on February 19, 2014, 12:07:08 PM
Illinois:
Bank of America: Experian
Barclays: Transunion
Citibank: Experian AND Equifax (I only applied for one card! What gives?)
US Bank: Transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: lybbtthl on February 25, 2014, 11:22:09 PM
Has anyone applied for any US Bank cc from NY? Where did they pull from? and does 2bm work?
Title: Re: Where Did Your Inquiries Pull From?
Post by: wonderlust on February 26, 2014, 11:32:39 PM
where does citi pull from in philly?
Title: Re: Where Did Your Inquiries Pull From?
Post by: wonderlust on February 26, 2014, 11:35:20 PM
I see now on the 2 BOA Hawaii business cards i got in summer pulled from Trans Union which is pleasant surprise for Lakewood NJ. Anyone have similar experience in Lakewood? Personal same as business?
did 2 personal combined to 1 eq
Title: Re: Where Did Your Inquiries Pull From?
Post by: mosh.now on March 04, 2014, 02:19:55 PM
I did a 2BM with amex (1 business and 1 personal) last week and I called and they approved 1 on the spot.
today i see that amex pulled my credit again! is that normal?
Title: Re: Where Did Your Inquiries Pull From?
Post by: kivabb on March 04, 2014, 02:38:06 PM
did 2 personal combined to 1 eq

Recently? Which BOA card?
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on March 06, 2014, 03:20:59 PM
Any idea who Webbank/Bml is? I just got my EQ report and I see that they pulled about 16 months ago.
Title: Re: Where Did Your Inquiries Pull From?
Post by: SamKey on March 06, 2014, 03:42:45 PM
TD refused to pull anything but Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on March 06, 2014, 09:40:07 PM
Any idea who Webbank/Bml is? I just got my EQ report and I see that they pulled about 16 months ago.
bump
Title: Re: Where Did Your Inquiries Pull From?
Post by: TC610 on March 09, 2014, 04:22:14 PM
Any idea who Webbank/Bml is? I just got my EQ report and I see that they pulled about 16 months ago.
bump

Found it.
http://bit.ly/1fg2h2U
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on March 09, 2014, 05:25:27 PM
Found it.
http://bit.ly/1fg2h2U
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yellow on March 09, 2014, 10:33:33 PM
Has anyone applied for any US Bank cc from NY? Where did they pull from? and does 2bm work?
2bm worked for me
Title: Re: Where Did Your Inquiries Pull From?
Post by: SearchGuy on March 09, 2014, 10:59:38 PM
2bm worked for me
Did you freeze you ARS?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yhgfkj on March 31, 2014, 09:16:24 AM
2bm worked for me
Where did they pull from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on April 03, 2014, 12:00:28 PM
Anyone know where US bank pulls from in NY? also is the Avianca life miles credit card worth to get?
Bump

+1 for both questions
Title: Re: Where Did Your Inquiries Pull From?
Post by: MOSES on April 04, 2014, 10:46:08 AM
TD refused to pull anything but Experian
what card did you get from TD?
Title: Re: Where Did Your Inquiries Pull From?
Post by: AharonInIsrael on April 08, 2014, 02:51:53 PM
If I received 3 Experian pulls for one Citi app, is it best to contact Citi or Experian? If I do Experian, is calling or doing it online best?
Never mind, ProtectMyId made it seem like I got more pulls than I did.
To repeat an unanswered question from upthread- anyone know where US Bank pulls from? I applied from NJ and they didn't pull from Experian (but don't know where they did from).
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on April 29, 2014, 11:09:42 AM
I got the dreaded 3 bureau pull for a Discover IT card in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: dealfinder85 on April 29, 2014, 11:17:35 AM
If I received 3 Experian pulls for one Citi app, is it best to contact Citi or Experian? If I do Experian, is calling or doing it online best?
Never mind, ProtectMyId made it seem like I got more pulls than I did.
To repeat an unanswered question from upthread- anyone know where US Bank pulls from? I applied from NJ and they didn't pull from Experian (but don't know where they did from).
where on protectmyid can you see how many pulls?
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on May 01, 2014, 03:55:19 PM
Data point:
AMEX and Chase all personal in NY pulled from EX. Didn't check the others, though.
Interestingly, had soft pull from AMEX 5 days before apps (so I guess that was unrelated to my apps), soft pull from Chase on the same day as my apps, and a soft pull from Chase 5 days after my apps which I believe was when I called to find out about my last card, Marriott, even though they said it was approved earlier, they had to wait for Marriott to produce a FF#. Don't know why that would result in a soft pull, but who cares really.
Title: Re: Where Did Your Inquiries Pull From?
Post by: sayhey on May 02, 2014, 03:32:55 PM
Chase personal in NY pulled both EX and TU on 4/30 app.  Anyone else seeing Chase start pulling from TU as well as EX in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: dirah on May 03, 2014, 08:39:03 PM
Where does Wells Fargo pull from (in NY)?
Title: Re: Where Did Your Inquiries Pull From?
Post by: pizzahut on May 04, 2014, 12:52:46 PM
I got the dreaded 3 bureau pull for a Discover IT card in NY.
that sucks. My discover check only had 1
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 05, 2014, 01:41:37 PM
whats the easiest way to see where an amex 4bm pulled from last week?
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 06, 2014, 05:03:32 PM
whats the easiest way to see where an amex 4bm pulled from last week?
bump
Title: Re: Where Did Your Inquiries Pull From?
Post by: JamesIV on May 06, 2014, 05:06:56 PM
Florida :
Barclays pulled from TransUnion
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on May 06, 2014, 06:03:00 PM
bump
identitymonitor.citi.com
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 06, 2014, 07:11:45 PM
identitymonitor.citi.com
I go there and it only shows login to upgrade?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on May 06, 2014, 07:18:31 PM
They aren't accepting new customers
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 06, 2014, 07:36:44 PM
They aren't accepting new customers
ok. Back to my original question. What's best way to check how many pulls my amex 4bm got last week?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mochada on May 06, 2014, 07:51:36 PM
Chase & Amex- GA.....EX
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on May 06, 2014, 10:53:57 PM
ok. Back to my original question. What's best way to check how many pulls my amex 4bm got last week?
if you have a discover card you can try their credit score tracker
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 06, 2014, 11:01:49 PM
Just did annual credit report.com for my experian report and unless amex pulls from 2 unions I only see 1 pull for my 3 personal and 1 biz card last week!
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on May 06, 2014, 11:27:14 PM
if you have a discover card you can try their credit score tracker
They only give you the score not the report.
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on May 13, 2014, 05:39:08 PM
I applied for IB, IP, IC in NY and 2 came from EX and one from TU (!)
Title: Re: Where Did Your Inquiries Pull From?
Post by: edjack on May 25, 2014, 07:52:09 AM
I do not have any Capital One cards, but when I checked my report I saw 2 hard pulls on Equifax from Capital One.
Is there anything I can do about this?
Title: Re: Where Did Your Inquiries Pull From?
Post by: NewYorker11219 on May 26, 2014, 04:22:43 PM
Anybody knows where Wells Fargo Credit Cards pulls from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: edjack on May 28, 2014, 11:11:48 AM
Just applied for the Ink, and got a pull from exp and equifax!!!

Is chase following in crapital ones footsteps?
Title: Re: Where Did Your Inquiries Pull From?
Post by: NewYorker11219 on May 28, 2014, 11:31:18 AM
Just applied for the Ink, and got a pull from exp and equifax!!!

Is chase following in crapital ones footsteps?
Not necessarily, it happens every so often not only with Chase, I had something similar with AMEX a year ago they pulled then EXP and transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on May 29, 2014, 01:30:38 PM
What do folks use to see where the pull came from? Citi identity doesn't allow new sign ups
Title: Re: Where Did Your Inquiries Pull From?
Post by: edjack on May 29, 2014, 01:33:10 PM
What do folks use to see where the pull came from? Citi identity doesn't allow new sign ups
Credit Secure from Amex.
Title: Re: Where Did Your Inquiries Pull From?
Post by: googwallet on May 29, 2014, 04:09:58 PM
I do not have any Capital One cards, but when I checked my report I saw 2 hard pulls on Equifax from Capital One.
Is there anything I can do about this?
Dispute them.
Title: Re: Where Did Your Inquiries Pull From?
Post by: DP7 on May 29, 2014, 06:28:48 PM
I applied for Arrival + from Barclays with accidentally all credit bureaus frozen. I unfroze TU now, am I better off calling recon and telling them TU is no longer frozen or just wait the 30 days and reapply (should be automatically approved).
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on June 16, 2014, 12:26:47 PM
Chase 4BM 1 inquiry!!!!!!!


Experian :-( lol
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joe4007 on June 16, 2014, 12:30:14 PM
Chase 4BM 1 inquiry!!!!!!!


Experian :-( lol
No news is good news  :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Centro on June 16, 2014, 12:31:21 PM
Chase 4BM 1 inquiry!!!!!!!


Experian :-( lol
Do you by chance know your credit score?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on June 16, 2014, 12:59:43 PM
768 last i heard
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dan on June 16, 2014, 01:40:02 PM
Chase 4BM 1 inquiry!!!!!!!


Experian :-( lol
Which cards?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on June 16, 2014, 02:12:37 PM
ink plus hyatt ba and saphire

(I didn't check equifax because i received rejection letters for all 4 and not one said they pulled from eq)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 16, 2014, 02:32:49 PM
They only give you the score not the report.
They do give the report. Both they don't accept new members now
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joe4007 on June 16, 2014, 02:44:09 PM
ink plus hyatt ba and saphire
In that case:
NoGood news is good news  :)
FTFM.
Title: Re: Where Did Your Inquiries Pull From?
Post by: cozmohoot on June 16, 2014, 07:26:53 PM
ink plus hyatt ba and saphire

(I didn't check equifax because i received rejection letters for all 4 and not one said they pulled from eq)
here's another case of biz and personal getting only 1 pull.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 17, 2014, 06:01:38 PM
From my wife's report.
Citi Executive, instant approval. Experian
Citi Executive, applied 5/31  Experian.      Called recon 6/1 Equifax
Citi Executive, applied and called recon in the same day Experian + Equifax

Looks to me, that the system pulls from Experian and recon pulls from Equifax

2/26 Capital One GM Card, Equifax (Crapital One, ONLY 1 PULL!)

1/14 Discover.  Experian + Equifax + Transunion  :o

10/09 Discover Equifax + Transunion

All my Chase inquiries. Experian
Barclay. Transunion
Gap Card. Transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on June 17, 2014, 06:52:53 PM
How do I know where they pulled from of o get accepted, I already got my annual credit report.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 17, 2014, 07:01:47 PM
How do I know where they pulled from of o get accepted, I already got my annual credit report.
$1. remember to cancel after 7 days.   www.creditchecktotal.com

Please post if you know anything cheaper
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on June 17, 2014, 07:18:03 PM
$1. remember to cancel after 7 days.   www.creditchecktotal.com

fico or fako?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 17, 2014, 07:22:54 PM
fico or fako?
No score, report only
You just wanna see where they pulled from, right?
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on June 17, 2014, 07:38:18 PM
No score, report only
You just wanna see where they pulled from, right?
it does say credit report and credit score. Won't the bank tell me where they pull from if I ask?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 17, 2014, 07:54:40 PM
it does say credit report and credit score. Won't the bank tell me where they pull from if I ask?
Never tried. I believe you can ask a recon rep if you needed to call, but I doubt they'll be able to tell you after approval 
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on June 18, 2014, 04:57:23 PM
$1. remember to cancel after 7 days.   www.creditchecktotal.com

By the way can you do it more than once, or is it a 1 time offer?

Please post if you know anything cheaper
like what 99 cents?  ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 18, 2014, 05:02:55 PM
By the way can you do it more than once, or is it a 1 time offer? like what 99 cents?  ;)
The later

like what 99 cents?  ;)
Maybe less, maybe free. you never know with the DDFer's :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on June 18, 2014, 05:09:38 PM
The later
Maybe less, maybe free. you never know with the DDFer's :)
Never thought I'd be able to correct anyone on or speling ;) or grammer ;)
http://www.thefreedictionary.com/latter
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on June 18, 2014, 05:25:57 PM
Never thought I'd be able to correct anyone on or speling ;) or grammer ;)
http://www.thefreedictionary.com/latter
Lucky you! I'm happy you got here :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: SrulyP on June 25, 2014, 07:57:18 PM
IS this all dependent on what state you are applying from or the state you live in?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Boruch999 on June 28, 2014, 06:39:56 PM
I couldn't find a more appropriate thread....
When a bank reports a new account, to they typically report to all 3 or just to the one they pulled from?
Title: Re: Where Did Your Inquiries Pull From?
Post by: aradisc on June 28, 2014, 07:42:35 PM
I couldn't find a more appropriate thread....
When a bank reports a new account, to they typically report to all 3 or just to the one they pulled from?

All 3, but they may not all appear at the same time and they may have slightly different dates of opening
Title: Re: Where Did Your Inquiries Pull From?
Post by: frozy on June 28, 2014, 10:08:02 PM
it does say credit report and credit score. Won't the bank tell me where they pull from if I ask?
When you get declined or approved with less favorable terms (eg of you only get a credit line of 25k instead of 50) based on a credit retort you get a letter detailing who provided the credit report. It's required by the CARD act.
Title: Re: Where Did Your Inquiries Pull From?
Post by: sruly101 on June 30, 2014, 12:50:25 PM
I got citi identitymonitor, got a notification of a "new trade line" what does this mean?
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on June 30, 2014, 08:06:03 PM
I got citi identitymonitor, got a notification of a "new trade line" what does this mean?
Usually a new credit account.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on July 23, 2014, 01:28:35 AM
Where does Bank of America pull from, in NY?
In the wiki it says, Bank of America, Experian {by freezing TU}
And than it says BoA, Experian. So?
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on July 23, 2014, 08:42:20 AM
The differences between various states depends on the address that you input in the app? Or does it depend on where you are physically at when you apply?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joe4007 on July 23, 2014, 09:05:49 AM


Where does Bank of America pull from, in NY?
In the wiki it says, Bank of America, Experian {by freezing TU}
And than it says BoA, Experian. So?
IME, Experian. The freezing of TU is probably just to ensure you don't get pulled two Bureaus.
Title: Re: Where Did Your Inquiries Pull From?
Post by: NewYorker11219 on July 23, 2014, 03:44:49 PM
IME, Experian. The freezing of TU is probably just to ensure you don't get pulled two Bureaus.
IME TU, however I am in NYC maybe you are in NYS
Title: Re: Where Did Your Inquiries Pull From?
Post by: bubble347 on July 23, 2014, 03:56:20 PM
The differences between various states depends on the address that you input in the app? Or does it depend on where you are physically at when you apply?
BUMP
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on July 23, 2014, 03:57:57 PM
BUMP
I believe address in app
Title: Re: Where Did Your Inquiries Pull From?
Post by: freddy on August 27, 2014, 02:05:59 PM
Some useful info. A Chase rep told me that they randomly pull from 1 of the 3 bureaus with no bureau getting pulled more than another. Additionally he told me they don't use a FICO score rather they asses you on their own. That's might be why their recon have so much discretion. I happen to live in NJ but if this is true it shouldn't make a diff.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joe4007 on August 27, 2014, 03:27:35 PM
Some useful info. A Chase rep told me that they randomly pull from 1 of the 3 bureaus with no bureau getting pulled more than another.
DROPR.
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on August 27, 2014, 07:12:28 PM
Some useful info. A Chase rep told me that they randomly pull from 1 of the 3 bureaus with no bureau getting pulled more than another. Additionally he told me they don't use a FICO score rather they asses you on their own. That's might be why their recon have so much discretion. I happen to live in NJ but if this is true it shouldn't make a diff.

DROPR.
It's true that they assess your credit report on their own but they probably still refer to your credit score.

You thought the credit score was a magical number with all the answers to all the questions?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joe4007 on August 27, 2014, 07:18:36 PM
It's true that they assess your credit report on their own but they probably still refer to your credit score.

You thought the credit score was a magical number with all the answers to all the questions?
Did you see what part of his post I quoted?
Title: Re: Where Did Your Inquiries Pull From?
Post by: MeirS on August 27, 2014, 07:44:55 PM
Did you see what part of his post I quoted?
I thought you might be addressing just that point. (The Tapatalk app sometimes cuts the quote short).

It wasn't really to you, it was more to the person you were responding to.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Ephraimh on August 29, 2014, 06:28:12 PM
Just checked my 3 reports on Amex CreditSecure, and my last inquiry is on 5/14/14.

The interesting part is, I applied for the SPG on 6/25/14, but there is no sign whatsoever of an inquiry on that date, checked all 3 credit agencies,

Anybody with insight?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on August 29, 2014, 06:49:17 PM
Does  this mean there's a slim chance to get amex to pull equifax now ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on August 30, 2014, 10:46:35 PM
Just checked my 3 reports on Amex CreditSecure, and my last inquiry is on 5/14/14.

The interesting part is, I applied for the SPG on 6/25/14, but there is no sign whatsoever of an inquiry on that date, checked all 3 credit agencies,

Anybody with insight?
2 pulls
1) Chase UA 55k + $50, BA 50k, Marriott 70k = 175k + $50
2) BoA Alaska Airlines 25k + $100 X3 = 75k + $300
Amex (no pull!) Platinum $400 PGGM (no AF, no points), SPG 25k = 25k + $400

Total = 275k points/miles + $750
Amex doesn't always pull for existing customers.

I also had it in 2012, they denied me,
I called and asked why,
They answered, that it's based in my CR,
I said, I have an excellent credit, I just deleted a negative account
They said, oh! We didn't pull your credit, we just based it on a copy of your CR we had before you applied. Do you want is to pull again?
I said yes, and they approved me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Ephraimh on August 30, 2014, 10:53:24 PM

Amex doesn't always pull for existing customers.
I also had it in 2012, they denied me,
I called and asked why,
They answered, that it's based in my CR,
I said, I have an excellent credit, I just deleted a negative account
They said, oh! We didn't pull your credit, we just based it on a copy of your CR we had before you applied.
Interesting, but I don't think that's the case in my case,

They rejected my application based on my score at the time which was low due to maxed out cards,

They mentioned my score which was 642, while my score on the Amex application before that one was 700+.

Are they able to see a credit score thru a soft pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on August 30, 2014, 10:56:04 PM
Interesting, but I don't think that's the case in my case,

They rejected my application based on my score at the time which was low due to maxed out cards,

They mentioned my score which was 642, while my score on the Amex application before that one was 700+.

Are they able to see a credit score thru a soft pull?
Sure. Discover and Barclay don't do a hard pull on my CR every month to give me my score.
Title: Where Did Your Inquiries Pull From?
Post by: Ephraimh on August 30, 2014, 10:58:53 PM
Sure. Discover and Barclay don't do a hard pull on my CR every month to give me my score.
Yeah you're right.. thanx for that info!
Title: Re: Where Did Your Inquiries Pull From?
Post by: robbie on September 01, 2014, 08:46:28 PM
IM sorry of this was asked, whats the best method of looking were your inquires pulled from?fico?
Title: Re: Where Did Your Inquiries Pull From?
Post by: clear thinker on September 17, 2014, 12:38:44 PM
From where does target pull in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: dudi on September 27, 2014, 11:38:33 PM
I'm on a mobile phone can't update the wiki my chase freedom in NJ just pulled from experian can anyone update that for me please?
Title: Re: Where Did Your Inquiries Pull From?
Post by: rockstarhockstar on October 12, 2014, 08:10:42 PM
Hello:)) Anyone know about MD?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on October 15, 2014, 04:32:04 PM
From where does target pull in NY?
equifax and transunion
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on October 30, 2014, 05:20:00 PM
How about chase in PA?
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on November 18, 2014, 12:36:38 PM
So this is annoying… I had a negative report on my CR. Got them to withdraw it and its off of my TU and EQ. Those scores are now in the 770s. However EX is so goddamn slow and its still on theirs - so my score is 700 with them. Is there any credit cards that dont pull from EX? (I'm in PA)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on November 18, 2014, 12:48:44 PM
So this is annoying… I had a negative report on my CR. Got them to withdraw it and its off of my TU and EQ. Those scores are now in the 770s. However EX is so goddamn slow and its still on theirs - so my score is 700 with them. Is there any credit cards that dont pull from EX? (I'm in PA)
Barclay?
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on November 18, 2014, 12:54:38 PM
Barclay?

Are you guessing?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Novo on November 18, 2014, 01:03:19 PM
Are you guessing?
I know that in most states they pull TU, not sure about PA.
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on November 18, 2014, 01:41:01 PM
I know that in most states they pull TU, not sure about PA.

K thanks. Is there like a database somewhere?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on November 18, 2014, 01:43:36 PM
K thanks. Is there like a database somewhere?
http://forums.dansdeals.com/index.php?topic=6373.0
Not sure how much it'll help you
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on November 18, 2014, 02:04:58 PM
So this is annoying… I had a negative report on my CR. Got them to withdraw it and its off of my TU and EQ. Those scores are now in the 770s. However EX is so goddamn slow and its still on theirs - so my score is 700 with them. Is there any credit cards that dont pull from EX? (I'm in PA)
barclay bank pulls from TU in PA YMMV chase will use TU with a frozen EX and for some reports even without freezing though thy pull EX as well so to be safe i would freeze EX and apply for chase  check this site for more info http://creditboards.com/forums/index.php?s=c06a19653783cb528fe552359684df99&app=creditpulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on November 18, 2014, 02:12:54 PM
barclay bank pulls from TU in PA YMMV chase will use TU with a frozen EX and for some reports even without freezing though thy pull EX as well so to be safe i would freeze EX and apply for chase  check this site for more info http://creditboards.com/forums/index.php?s=c06a19653783cb528fe552359684df99&app=creditpulls

But wont get approved instantly right? Ill have to call chase and recon if freeze Ex?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on November 18, 2014, 04:30:10 PM
IDK i'm not from PA try and report later :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: weezl on November 27, 2014, 12:42:04 AM
Just did a 2BM US Air and Barclaycard, DD-style  ;D

1 instant approval wee hours of the night + 1 pending approval then
2nd approved a few hours later; apparently the Pending was not the kiss of death
Both pulled Experian same day. Dan has said they usually pull from TU but obviously YMMV

Title: Re: Where Did Your Inquiries Pull From?
Post by: oiseli48 on November 27, 2014, 12:44:56 AM

Dan has said they usually pull from TU but obviously YMMV

Which state are you from? We can compile a list.

When I lived in MA, Barclays pulled from TU
Title: Re: Where Did Your Inquiries Pull From?
Post by: Excalibur on November 27, 2014, 03:43:19 PM
So this is annoying… I had a negative report on my CR. Got them to withdraw it and its off of my TU and EQ. Those scores are now in the 770s. However EX is so goddamn slow and its still on theirs - so my score is 700 with them. Is there any credit cards that dont pull from EX? (I'm in PA)

Citi
Title: Re: Where Did Your Inquiries Pull From?
Post by: DP7 on December 09, 2014, 11:10:09 AM
Would this be a hard pull?

https://www304.americanexpress.com/personal-card-application/upgrade/passive/hilton-hhonors-surpass-credit-card/36205
Title: Re: Where Did Your Inquiries Pull From?
Post by: SPLP on December 09, 2014, 12:03:12 PM
UP GRADE IS NOT--I DID LAST MONTH
Title: Re: Where Did Your Inquiries Pull From?
Post by: mama_mia on December 10, 2014, 04:33:22 PM
I was reading that the 3bm works well when a company pulls from 3 of the agencies... but what does that mean three separate cards from the same company or three different ones?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on December 10, 2014, 05:14:13 PM
I was reading that the 3bm works well when a company pulls from 3 of the agencies... but what does that mean three separate cards from the same company or three different ones?
3bm is cards from the same company. Should be 1 pull. Different companies is called app-o-rama. Each company pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mama_mia on December 10, 2014, 05:16:18 PM
3bm is cards from the same company. Should be 1 pull. Different companies is called app-o-rama. Each company pulls.
sorry I Wayne was not clear 3 different cards in the same company or three of the same card from that company does this make sense?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on December 10, 2014, 05:17:56 PM
sorry I Wayne was not clear 3 different cards in the same company or three of the same card from that company does this make sense?
3bm is 3 different cards from the same company. If you apply for the same card 3 times it'll think the other 2 are duplicate apps & they'll get cancelled.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on December 10, 2014, 09:25:35 PM
3bm is 3 different cards from the same company. If you apply for the same card 3 times it'll think the other 2 are duplicate apps & they'll get cancelled.
Recently even different cards it reads as duplicates and a PUTPAC to recon usually moves things along
sorry I Wayne was not clear 3 different cards in the same company or three of the same card from that company does this make sense?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 01:08:52 AM
Did 3bm for Barclays and only 1 pull. Update the wiki??

Also, interesting to note that t-mobile pulled me twice in one day and only had one pull showing.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Emkay on December 11, 2014, 01:49:08 AM

Did 3bm for Barclays and only 1 pull. Update the wiki??

Also, interesting to note that t-mobile pulled me twice in one day and only had one pull showing.
froze any of them?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 02:08:13 AM

froze any of them?

No, and why would that matter. Only on TU. Wiki says that 2bm results in 2 pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Emkay on December 11, 2014, 02:40:39 AM
No, and why would that matter. Only on TU. Wiki says that 2bm results in 2 pulls.
I got pulls in ex also
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 02:50:48 AM

I got pulls in ex also

Just double checked, I didn't. Accounts are listed on all reports.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Emkay on December 11, 2014, 02:51:43 AM
Just double checked, I didn't. Accounts are listed on all reports.
How did you check?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 02:52:18 AM

How did you check?

Went to experian and requested a credit report.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Emkay on December 11, 2014, 03:16:50 AM

Went to experian and requested a credit report.
paid?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 03:18:32 AM

paid?

No. It's free if you enter that credit was denied or you believe you might have had identity theft. Works across the 3 bureaus.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mileagejunkie on December 11, 2014, 03:21:57 AM

paid?

EX: http://www.experian.com/reportaccess/
EQ: https://aa.econsumer.equifax.com/aad/landing.ehtml
TU: https://disclosure.transunion.com/dc/disclosure/disclosure.jsp

Make sure to enter a bank that actually pulls from them. They don't actually check the date.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yaalili on December 15, 2014, 10:36:45 PM
On a recent US Airways application for a family member of mine, Barclays pulled from Experian in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: reed on December 15, 2014, 11:04:24 PM
On a recent US Airways application for a family member of mine, Barclays pulled from Experian in NY.

PA here. Pulled from TU and Experian.
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on December 16, 2014, 02:18:28 AM
On a recent US Airways application for a family member of mine, Barclays pulled from Experian in NY.
Only experian or in addition to TU ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Emkay on December 17, 2014, 05:00:38 AM
where does US bank pull from in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on December 17, 2014, 09:18:32 AM
where does US bank pull from in NY?
From the reports I've read seems to be EX. 1 said TU.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yaalili on December 17, 2014, 10:05:24 AM
Only experian or in addition to TU ?

Only EX.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Boruch999 on January 17, 2015, 05:01:53 PM
Discover in MA?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on January 17, 2015, 06:29:02 PM
Discover in MA?
From searching around seems to be EQ or TU.
Title: Re: Where Did Your Inquiries Pull From?
Post by: kivabb on January 22, 2015, 10:52:44 AM
I see Bank Of Hawaii also had 35K sign up card for Hawaiin Airlines besides the Barclays card:

https://www.boh.com/personal/banking-products/credit-cards/hawaiian-airlines-bank-of-hawaii-mastercard.asp

Anyone have any experience which credit agency they pull from in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: SearchGuy on January 29, 2015, 10:26:50 PM
I applied for Amex 3BM within minute/s of releasing a freeze on my EX, didn't get an alert (Credit Sesame) about any pull yet, 2 months now
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on January 29, 2015, 10:27:48 PM
I applied for Amex 3BM within minute/s of releasing a freeze on my EX, didn't get an alert (Credit Sesame) about any pull yet, 2 months now
Why not just check your experian report?
Title: Re: Where Did Your Inquiries Pull From?
Post by: SearchGuy on January 29, 2015, 10:28:05 PM
I see Bank Of Hawaii also had 35K sign up card for Hawaiin Airlines besides the Barclays card:

https://www.boh.com/personal/banking-products/credit-cards/hawaiian-airlines-bank-of-hawaii-mastercard.asp

Anyone have any experience which credit agency they pull from in NJ?
This bank is partnered with Barclays, so I would say it's the same thing

Quote
The Hawaiian Airlines Bank of Hawaii World Elite MasterCard (also known as Hawaiian Airlines World Elite MasterCard) is issued by Barclays Bank Delaware (Barclaycard) pursuant to a license by MasterCard International Incorporated. MasterCard and MasterCard World Elite are registered trademarks of MasterCard International Incorporated.
Title: Re: Where Did Your Inquiries Pull From?
Post by: SearchGuy on January 29, 2015, 10:29:01 PM
Why not just check your experian report?
Aren't they (CS) monitoring my EX report? whats my point?
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on January 29, 2015, 10:30:17 PM
Aren't they (CS) monitoring my EX report? whats my point?
Why trust someone else when you can see the real one yourself for free
Title: Re: Where Did Your Inquiries Pull From?
Post by: SearchGuy on January 29, 2015, 10:34:48 PM
Why trust someone else when you can see the real one yourself for free
Is it free? Link?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on January 29, 2015, 10:37:36 PM
Is it free? Link?
https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on January 29, 2015, 10:40:12 PM
https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.

Is it free? Link?
Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Barryg on January 30, 2015, 01:50:37 AM
I applied for Amex 3BM within minute/s of releasing a freeze on my EX, didn't get an alert (Credit Sesame) about any pull yet, 2 months now
Last time I applied for Amex, I learned the hard way, that they do a soft pull once a month and tried to access that soft pull to approve/deny my app. Turns out I had higher utilization on the soft pull so they had to do hard pull to approve me. I'm not sure if it has anything to do with fact your account was frozen. It could be they are approving you since you already are Amex customer and they do a soft pull around once a month anyways...
Title: Re: Where Did Your Inquiries Pull From?
Post by: lybbtthl on February 05, 2015, 12:58:32 PM
BTW nowadays it's easy to get unlimited free access to all 3 CB's reports. Experian was already mentioned a few posts back, and credit karma is now giving the other 2 totally free, I think it only updates once a week or month, but experian is every time you log in
Title: Re: Where Did Your Inquiries Pull From?
Post by: SrulyP on February 17, 2015, 09:40:17 AM
Does it matter where I apply from (different state) or does it only matter where the mailing/billing address is?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on February 17, 2015, 09:48:26 AM
Does it matter where I apply from (different state) or does it only matter where the mailing/billing address is?
IINM it goes by address
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 17, 2015, 06:10:09 PM
Just to clarify with barclays. (NY) If you were to do a 2bm why would it be two pulls? Firstly, Barclays only pulls once in three months unless specifically asked to pull again. So lets say, for example you apply for a cc, and you had previously applied before hand within three months, they'll automatically consider it a multiple application. So it'll be denied, unless you call and ask them to specifically pull again. Secondly the pull would be done on the same day by the same bank, so it'll merge regardless. What am I missing here?
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on March 17, 2015, 09:49:23 PM
Just to clarify with barclays. (NY) If you were to do a 2bm why would it be two pulls? Firstly, Barclays only pulls once in three months unless specifically asked to pull again. So lets say, for example you apply for a cc, and you had previously applied before hand within three months, they'll automatically consider it a multiple application. So it'll be denied, unless you call and ask them to specifically pull again. Secondly the pull would be done on the same day by the same bank, so it'll merge regardless. What am I missing here?
Every card application gets a hard pull every time. Other than chase BIZ and personal, the multiple pulls from a given bank one day will roll up.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 18, 2015, 03:43:41 AM
Every card application gets a hard pull every time. Other than chase BIZ and personal, the multiple pulls from a given bank one day will roll up.
I don't think its like that with Barclay's if applying within three months of a previous application. Unless you specifically ask them too.
Cmiiw
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on March 18, 2015, 09:08:05 AM
I don't think its like that with Barclay's if applying within three months of a previous application. Unless you specifically ask them too.
Cmiiw
What are you basing this on? To clarify, your saying if you apply to barclays within 3 mo the for another card then they do kit pull your cresit5?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 18, 2015, 09:15:01 AM
What are you basing this on? To clarify, your saying if you apply to barclays within 3 mo the for another card then they do kit pull your cresit5?
Yes. Unless you specifically ask them too. Basically it'll automatically be flagged as a multiple. So you'll have to call. They'll then ask you if you want them to pull again.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on March 18, 2015, 09:16:06 AM
Yes. Unless you specifically ask them too. Basically it'll automatically be flagged as a multiple. So you'll have to call. They'll then ask you if you want them to pull again.
If you say no, is that an automatic denial of the application?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 18, 2015, 09:19:04 AM
If you say no, is that an automatic denial of the application?
I assume so. Point is though if its on the same day. #1 they may not pull again as its manual and they already pulled that day. (Although since its second app they might) #2 if its same day why does wiki say its two pulls? It should get merged even if they pull a second time.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on March 18, 2015, 09:29:03 AM
I assume so. Point is though if its on the same day. #1 they may not pull again as its manual and they already pulled that day. (Although since its second app they might) #2 if its same day why does wiki say its two pulls? It should get merged even if they pull a second time.
many people have had success with 2 bm on barclays, including me and my wife.  Sure, it's a second pull, but it gets merged.
As far as the denial if you don't want another pull, that's nothing new. every credit application needs a new pull. Other than possibly having an app within 3 months be flagged as dupe I don't think you are saying much new?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 18, 2015, 09:30:53 AM
many people have had success with 2 bm on barclays, including me and my wife.  Sure, it's a second pull, but it gets merged.
As far as the denial if you don't want another pull, that's nothing new. every credit application needs a new pull. Other than possibly having an app within 3 months be flagged as dupe I don't think you are saying much new?
I'm asking why the wiki says two pulls with a 2bm? Implying they don't get merged.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on March 18, 2015, 09:36:37 AM
I'm asking why the wiki says two pulls with a 2bm? Implying they don't get merged.
Fair enough. I updated it since it was inaccurate.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshi on March 18, 2015, 09:37:53 AM
Fair enough. I updated it since it was inaccurate.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Stevie on March 18, 2015, 12:36:56 PM
I live in NY and I applied for a Citi AA Platinum Select Mastercard on Monday.  Citi had a glitch in their computer system so the application had to be manually reviewed.  I have a credit monitoring service and someone reviewed my application yesterday. Citi pulled Equifax instead of Experian.  I'm pretty happy about that since Citi has always pulled Experian for my previous applications.
Title: Re: Where Did Your Inquiries Pull From?
Post by: landz124 on March 19, 2015, 09:43:17 AM
Wells Fargo loan/mortgage in NJ - pulled from Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: coralsnake on March 19, 2015, 09:49:16 AM
Wells Fargo loan/mortgage in NJ - pulled from Experian
Im going to go out on a limb here and say that WF Mortgage pulled all 3 bureaus for you (unless HELOC or HE loan)
Title: Re: Where Did Your Inquiries Pull From?
Post by: landz124 on March 19, 2015, 09:52:04 AM

Im going to go out on a limb here and say that WF Mortgage pulled all 3 bureaus for you (unless HELOC or HE loan)

I have MyFico alerts it only alerted on Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: coralsnake on March 19, 2015, 09:54:05 AM
I have MyFico alerts it only alerted on Experian
Regular mortgage or home equity?
Title: Re: Where Did Your Inquiries Pull From?
Post by: landz124 on March 19, 2015, 09:55:43 AM

Regular mortgage or home equity?

Personal line of credit not HELOC
Title: Re: Where Did Your Inquiries Pull From?
Post by: coralsnake on March 19, 2015, 09:58:14 AM
Personal line of credit not HELOC
Same idea as HE.

For mortgage they pull all 3. Pretty much all banks do.

You did say mortgage:
Wells Fargo loan/mortgage in NJ - pulled from Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: landz124 on March 19, 2015, 10:00:53 AM

Same idea as HE.

For mortgage they pull all 3. Pretty much all banks do.

You did say mortgage:

Sorry about that

I wrote loan/mortgage cause that's what it says on the inquiry 
Title: Re: Where Did Your Inquiries Pull From?
Post by: emak on April 17, 2015, 10:48:43 AM
http://frequentmiler.boardingarea.com/2015/04/17/bet-you-didnt-know-a-shared-secret-about-amex-credit-pulls-plus-an-offersbot-update/
Interesting article. Is that Amex thing true?
Title: Re: Where Did Your Inquiries Pull From?
Post by: rileywiles23 on April 17, 2015, 10:58:26 AM
3 citi pulls in ny, over the past 2 week, all pulled equifax.
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on April 17, 2015, 11:29:05 AM
http://frequentmiler.boardingarea.com/2015/04/17/bet-you-didnt-know-a-shared-secret-about-amex-credit-pulls-plus-an-offersbot-update/
Interesting article. Is that Amex thing true?
interesting. I've never actually been denied (at least after recon). Next time i get a denial I'll check my report before calling recon, athough that probably won't be until next year.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Hellokitty64 on May 07, 2015, 03:30:39 PM
Has anyone else had discover (for miles card) pull 2 CB's? I had them pull Transunion and Equifax a week ago. They didnt do that when i applied a year ago for IT student
Title: Re: Where Did Your Inquiries Pull From?
Post by: tjak on May 07, 2015, 05:21:01 PM

Has anyone else had discover (for miles card) pull 2 CB's? I had them pull Transunion and Equifax a week ago. They didnt do that when i applied a year ago for IT student

When I applied for the It student about 2 years ago they pulled all three.
Title: Re: Where Did Your Inquiries Pull From?
Post by: deal_rider on May 07, 2015, 05:24:00 PM
do they pull if i request a CLI?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 07, 2015, 05:25:09 PM
YMMV. Which bank ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: benjie1305 on May 07, 2015, 05:27:10 PM
do they pull if i request a CLI?

Pretty solid indicator (http://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/)
Title: Re: Where Did Your Inquiries Pull From?
Post by: deal_rider on May 07, 2015, 05:29:54 PM
Pretty solid indicator (http://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/)

Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: wonderlust on May 12, 2015, 08:51:17 AM
Anyone know if bumpage with transunion is still doable? I was doing it for over a yr until February when all my pulls shows back up- I now have 16 pulls on it..
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 01:54:28 AM
I am in upstate NY. Citi (both personal and business) has always pulled Equifax for me (I know the Wiki says both EQ and EX). Most recently, I applied for AA Business in Feb, EQ again. Then yesterday, I applied for Prestige, and alert went off for Experian (and only EX)! Oh no!! Amex, Chase, and BOA all already pull EX, I don't need another major bank pulling there. Any idea why the switch from EQ to EX for Citi?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on May 19, 2015, 02:17:08 AM
next time make sure your EX is frozen and you should be fine i never apply for citi with open EX
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 02:22:43 AM
next time make sure your EX is frozen and you should be fine i never apply for citi with open EX

Hmm never done a freeze before...wouldn't that be a pain if doing AORs?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on May 19, 2015, 10:40:28 AM
3 citi pulls in ny, over the past 2 week, all pulled equifax.
lucky, they always pull experian by me
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 12:25:10 PM
I am in upstate NY. Citi (both personal and business) has always pulled Equifax for me (I know the Wiki says both EQ and EX). Most recently, I applied for AA Business in Feb, EQ again. Then yesterday, I applied for Prestige, and alert went off for Experian (and only EX)! Oh no!! Amex, Chase, and BOA all already pull EX, I don't need another major bank pulling there. Any idea why the switch from EQ to EX for Citi?

I lied. They did pull EQ as well. So now they are pulling EQ and EX, that's great...and with Chase pulling EX and TU, guess I need to dial back the AOR game....or just freeze EX I suppose, then there would be no more instant approvals with Amex and BOA?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on May 19, 2015, 12:32:10 PM
I lied. They did pull EQ as well. So now they are pulling EQ and EX, that's great...and with Chase pulling EX and TU, guess I need to dial back the AOR game....or just freeze EX I suppose, then there would be no more instant approvals with Amex and BOA?
Amex IME will not switch
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 12:34:15 PM
Amex IME will not switch

Oh so, will need to unfreeze in order for them to re-process again?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 12:35:15 PM
yup
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 12:37:58 PM
yup
What a PITA. Anybody in NY that already has a strategy for this that I can leech off of?  ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: rileywiles23 on May 19, 2015, 12:40:15 PM
Would Bofa - in ny -  pull from other cb, if I freeze experian ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on May 19, 2015, 12:48:07 PM
Oh so, will need to unfreeze in order for them to re-process again?
or give them the pin
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 12:49:29 PM
or give them the pin
Ah yes, I forgot about that option. I need to go read up and re-visit this topic...
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 12:56:32 PM
Ah yes, I forgot about that option. I need to go read up and re-visit this topic...
http://forums.dansdeals.com/index.php?topic=6609.0
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 01:05:47 PM
http://forums.dansdeals.com/index.php?topic=6609.0

TY
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on May 19, 2015, 03:29:50 PM
http://forums.dansdeals.com/index.php?topic=6609.0
classic ;D ;D ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 03:46:34 PM

classic ;D ;D ;D
+1 seriously TimT how do you do it?? It's driving me nuts.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dr Moose on May 19, 2015, 04:08:17 PM
+1 seriously TimT how do you do it?? It's driving me nuts.
for a guy like you who's on DDF most of the day, it should not be a hard thing to do. and yes, I'm speaking from experience.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 04:15:13 PM

for a guy like you who's on DDF most of the day, it should not be a hard thing to do. and yes, I'm speaking from experience.
True I'm pretty good myself but not that good...
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 04:17:37 PM
True I'm pretty good myself but not that good...

Are we talking about his ability to spin out links to topic threads in no time?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 04:18:31 PM

Are we talking about his ability to spin out links to topic threads in no time?

Yup
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on May 19, 2015, 04:19:46 PM

Yup

Yea it is pretty uncanny.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 04:21:40 PM

Yea it is pretty uncanny.
Conspiracist in me says he has an excel file with ever forum listed  :P
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yehuda25 on May 19, 2015, 04:22:12 PM
Conspiracist in me says he has an excel file with ever forum listed  :P
no doubt
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 04:30:14 PM
Conspiracist in me says he has an excel file with ever forum listed  :P
-1. I use the (old-fashioned) SCP method.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 04:57:38 PM

-1. I use the (old-fashioned) SCP method.
Scp?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 04:59:23 PM
Scp?
Search Copy Paste :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 05:00:50 PM

Search Copy Paste :)
Ahh I guess you're just a little better with keywords then me... Does your search also continuously give you the 5 second message?
Title: Re: Where Did Your Inquiries Pull From?
Post by: rileywiles23 on May 19, 2015, 05:01:57 PM

Ahh I guess you're just a little better with keywords then me... Does your search also continuously give you the 5 second message?
I get that on tapatalk all day.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yitrap on May 19, 2015, 05:03:12 PM

I get that on tapatalk all day.
I generally don't search on tapatalk but I don't think I ever got that there.
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 05:03:30 PM
Does your search also continuously give you the 5 second message?
Are you referring to between searches ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: rileywiles23 on May 19, 2015, 05:11:55 PM

Are you referring to between searches ?
I am.
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 19, 2015, 05:16:34 PM
I am.
Not only do I get that, any time I search it takes 5-10 seconds until I get the results. It thinks real hard.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Elikip on June 07, 2015, 02:13:40 PM
For same day application, Do amex Personal and business applications incur separate pulls or only one?
Title: Where Did Your Inquiries Pull From?
Post by: tjak on June 07, 2015, 02:19:18 PM
For same day application, Do amex Personal and business applications incur separate pulls or only one?
One.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Hidden on June 07, 2015, 06:43:54 PM
Amex charge and credit cards are separate pulls or one?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on June 07, 2015, 06:45:13 PM
Amex charge and credit cards are separate pulls or one?
one
Title: Re: Where Did Your Inquiries Pull From?
Post by: Hidden on June 07, 2015, 07:03:25 PM
one
Thanks
Title: Re: Where Did Your Inquiries Pull From?
Post by: shoobi on June 21, 2015, 07:45:19 PM
I live in NJ, looking at my experian report now, i see bank of america just did 2 pulls in last month (cuz i did 2 apps then)... so i'll add that to the wiki
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on June 21, 2015, 09:47:24 PM
I live in NJ, looking at my experian report now, i see bank of america just did 2 pulls in last month (cuz i did 2 apps then)... so i'll add that to the wiki
for future apps freeze your EX before applying for bofa
Title: Re: Where Did Your Inquiries Pull From?
Post by: shoobi on June 21, 2015, 09:55:22 PM
for future apps freeze your EX before applying for bofa

why?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yuguy on June 21, 2015, 10:54:08 PM
why?

Bc they'll pull from TU or EX at your request.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Matovu on June 29, 2015, 02:41:34 PM
anywhere on the forums where I can find a chart for this ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on June 29, 2015, 02:45:08 PM
anywhere on the forums where I can find a chart for this ?
Wiki ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Matovu on June 29, 2015, 02:49:28 PM
Wiki ?

Yes
but at the seminars (I think) Dan gave an address where I would find a chart.
no ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on June 29, 2015, 02:59:19 PM
Yes
but at the seminars (I think) Dan gave an address where I would find a chart.
no ?
What happens at DDS stays at DDS :)

You sure it wasn't to this thread ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: coralsnake on June 29, 2015, 03:14:10 PM
Yes
but at the seminars (I think) Dan gave an address where I would find a chart.
no ?
IIRC he just had a slide which was his own chart.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Matovu on June 29, 2015, 03:18:09 PM
IIRC he just had a slide which was his own chart.
correct,
Is such a chart available on the web ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on June 29, 2015, 03:26:52 PM
correct,
Is such a chart available on the web ?
google it
Title: Re: Where Did Your Inquiries Pull From?
Post by: Matovu on June 29, 2015, 05:19:42 PM
google it

believe me I did
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on July 19, 2015, 11:36:35 AM
Any updated info on citibank in nyc?  Do they pull ex AND eq?
Title: Re: Where Did Your Inquiries Pull From?
Post by: @Yehuda on July 19, 2015, 11:42:29 AM
Any updated info on citibank in nyc?  Do they pull ex AND eq?
Yes.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mawmaw on July 19, 2015, 12:47:45 PM
Yes.
-1
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on July 19, 2015, 01:03:05 PM
-1
They could pull either one or both.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Venilla on July 19, 2015, 02:12:36 PM
Barclay in NY EX AND TU :(
Title: Re: Where Did Your Inquiries Pull From?
Post by: D93 on July 19, 2015, 02:14:44 PM
Any updated info on citibank in nyc?  Do they pull ex AND eq?
Yes.
Barclay in NY EX AND TU :(
Ouch!

You New Yorkers really need to freeze your EX before applying for Citi and Barclays.
Title: Re: Where Did Your Inquiries Pull From?
Post by: involved! on July 19, 2015, 04:37:41 PM
Can someone direct me to the link of the list of where banks typically pull from in ny/nj? I thought I remembered seeing it somewhere and now I can't find it. TIA
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on July 19, 2015, 04:41:21 PM
Can someone direct me to the link of the list of where banks typically pull from in ny/nj? I thought I remembered seeing it somewhere and now I can't find it. TIA
wiki
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on July 30, 2015, 02:32:53 AM
Ouch!

You New Yorkers really need to freeze your EX before applying for Citi and Barclays.
Forgot to freeze EX, and applied for citi aadvantage today, they only pulled EQ.
(And they're not allowed to disclose my score..)
Title: Re: Where Did Your Inquiries Pull From?
Post by: D93 on July 30, 2015, 04:22:56 AM
Forgot to freeze EX, and applied for citi aadvantage today, they only pulled EQ.
(And they're not allowed to disclose my score..)
Where did you check your EX?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on July 30, 2015, 12:32:05 PM
Where did you check your EX?
I called citi to ask what they pulled.
No access to EX since sesame changed to TU.
Title: Re: Where Did Your Inquiries Pull From?
Post by: D93 on July 30, 2015, 01:01:26 PM
I called citi to ask what they pulled.
No access to EX since sesame changed to TU.
They might have pulled both, you should take a look at your EX.
Title: Re: Where Did Your Inquiries Pull From?
Post by: MosheD on September 24, 2015, 02:30:26 AM
Finally started checking reports. Seeing Chase pulled EX AND TU in OH
Is this normal?
Title: Re: Where Did Your Inquiries Pull From?
Post by: jameswacht on November 05, 2015, 11:26:37 PM
in NY does discover pull from more than one agency? wiki says they pull from Equifax wondering if they stop there. anyone have any info on this?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on November 05, 2015, 11:36:09 PM
in NY does discover pull from more than one agency? wiki says they pull from Equifax wondering if they stop there. anyone have any info on this?
Usually EQ, sometimes they'll pull TU as well.
Title: Re: Where Did Your Inquiries Pull From?
Post by: David Smith on November 05, 2015, 11:38:51 PM
Usually EQ, sometimes they'll pull TU as well.
They only pulled tu by me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: jameswacht on November 05, 2015, 11:42:58 PM
They only pulled tu by me.
Would freezing EQ trigger for them to pull TU or YMMV?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on November 06, 2015, 12:21:34 AM
They only pulled tu by me.
How long ago? I think the EQ is a recent thing.
Title: Re: Where Did Your Inquiries Pull From?
Post by: David Smith on November 06, 2015, 12:30:02 AM
How long ago? I think the EQ is a recent thing.
In may.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on November 07, 2015, 11:03:09 PM
Can someone add Verizon to the wiki?
pulls from Equifax in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on November 07, 2015, 11:11:14 PM
Can someone add Verizon to the wiki?
pulls from Equifax in NY.
done
Title: Re: Where Did Your Inquiries Pull From?
Post by: D93 on November 19, 2015, 04:02:54 AM
Does anyone know where Chase and Citi pull from in Indiana?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on November 19, 2015, 04:32:04 AM
Does anyone know where Chase and Citi pull from in Indiana?
Idk about citi but chase is TU
Eta: But you can check here
https://creditboards.com/forums/index.php?app=creditpulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: Ydad on November 28, 2015, 08:06:40 PM
Verizon nj, hard pull EQ . Updated wiki.
Title: Re: Where Did Your Inquiries Pull From?
Post by: eliraps on February 11, 2016, 06:28:12 PM
What do you say when you call to freeze a CR? Why do I want to freeze it?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on February 11, 2016, 06:32:02 PM
What do you say when you call to freeze a CR? Why do I want to freeze it?
I want to freeze my report
Title: Re: Where Did Your Inquiries Pull From?
Post by: eliraps on February 11, 2016, 06:37:50 PM
I want to freeze my report
They don't ask why?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on February 11, 2016, 06:42:18 PM
They don't ask why?
You have every right to. It could be for security.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on February 11, 2016, 06:46:50 PM
They don't ask why?
Never asked me why
Title: Re: Where Did Your Inquiries Pull From?
Post by: D93 on February 11, 2016, 07:02:08 PM
Never asked me why

+1
Title: Re: Where Did Your Inquiries Pull From?
Post by: Venilla on February 11, 2016, 07:16:56 PM
Just do it online.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on February 11, 2016, 08:43:39 PM
What do you say when you call to freeze a CR? Why do I want to freeze it?
I was "Lucky" enough to have a suspected involvement with the T-mobile data breach (wich in my case didn't leak an actually harmful info), so I now have unlimited free Freezes and Thaws.

Check if you ever got one of those messages or if you have an account a a company that has a Breach (no matter the scale), and if you have a Goverment complaint form (or Police report) the CR's are obligated to do it for free.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on February 11, 2016, 08:45:18 PM
I was "Lucky" enough to have a suspected involvement with the T-mobile data breach (wich in my case didn't leak an actually harmful info), so I now have unlimited free Freezes and Thaws.

Check if you ever got one of those messages or if you have an account a a company that has a Breach (no matter the scale), and if you have a Goverment complaint form (or Police report) the CR's are obligated to do it for free.
Iirc its only $5 one time fee
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on February 11, 2016, 09:14:15 PM
Iirc its only $5 one time fee
In NY, it's no fee at all.

Giyf
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on February 11, 2016, 09:16:33 PM
In NY, it's no fee at all.

Giyf
Even better
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on February 11, 2016, 09:35:03 PM
Even better
You need a signed FTC affidavit (https://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 26, 2016, 11:17:37 PM
Where does Chase (UMPE, BA) pull from in NJ? Thanks.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on March 26, 2016, 11:22:24 PM
Where does Chase (UMPE, BA) pull from in NJ? Thanks.

Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on March 26, 2016, 11:23:47 PM
Experian
Is that all chase? If yes the wiki needs updating
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on March 26, 2016, 11:24:24 PM
Is that all chase? If yes the wiki needs updating

It needs a lot of updating :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 26, 2016, 11:26:50 PM
Experian
Thanks.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on March 27, 2016, 12:01:54 AM
It needs a lot of updating :)
Then go ahead
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on March 27, 2016, 07:03:00 AM
Amex pulled TU in nyc for me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: theblakdavid on March 27, 2016, 07:05:40 AM
Amex pulled TU in nyc for me.
Only?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on March 27, 2016, 07:25:38 AM
Amex pulled TU in nyc for me.
Were your other reports frozen?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on March 27, 2016, 08:13:48 AM
Were your other reports frozen?
EX was frozen, I was actually about to give her my pin, and she said "It's ok, I've pushed it through already" which sucks, cuz I was about to merge pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 28, 2016, 11:30:55 PM
Experian
Do you have a working phone number? The numbers I tried didn't work too well.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 29, 2016, 02:23:30 PM
Do you have a working phone number? The numbers I tried didn't work too well.
224-698-5600 worked.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 29, 2016, 02:24:21 PM
Experian
Are you sure? I called them, and they only had a record of my UMPE app, not my BA app. Thanks.
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on March 29, 2016, 02:26:01 PM
Are you sure? I called them, and they only had a record of my UMPE app, not my BA app. Thanks.
Who did you call and were they on one day? If yes then they were merged
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on March 29, 2016, 02:49:50 PM
Who did you call and were they on one day? If yes then they were merged
Experian. They were a week apart.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on March 30, 2016, 06:02:47 PM
Chase pulled TU in NY with EX frozen
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yhgfkj on March 30, 2016, 07:06:07 PM
Chase pulled TU in NY with EX frozen
automatic ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on March 30, 2016, 08:41:21 PM
automatic ?
Not sure
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on April 02, 2016, 10:20:00 PM
Are you sure? I called them, and they only had a record of my UMPE app, not my BA app. Thanks.
Maybe this explains it:
"when I got the 30 day message they said I was declined  automatically  without a pull because  I received  the sign up bonus within  24 mos." (from: http://forums.dansdeals.com/index.php?topic=8398.0)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on April 03, 2016, 10:40:56 AM
Chase pulled TU in NY with EX frozen

If I'm not mistaken, didn't Discover also triple pull you?  ;D

The only time I've heard of a NY TU Chase pull is via the prequalifier with EX on ice. Unless you went via this method, EX is the puller for NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on April 03, 2016, 01:13:33 PM


If I'm not mistaken, didn't Discover also triple pull you?  ;D

The only time I've heard of a NY TU Chase pull is via the prequalifier with EX on ice. Unless you went via this method, EX is the puller for NY.

You are not mistaken.

I was super surprised when the CSR told me that I don't need to unfreeze my EX, as he has it from TU already.

I applied via Chase Private Client with EX on ice, so that may have caused them to be more "accommodating".

The pull shows as "chase card".

About the Discover thing: Everyone seemed to say the Discover never triple pulls, so I double checked, and it turns out that there is no pull on my TU, only EX and EQ. I guess I imagined it...
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on April 03, 2016, 01:26:46 PM

You are not mistaken.

I was super surprised when the CSR told me that I don't need to unfreeze my EX, as he has it from TU already.

I applied via Chase Private Client with EX on ice, so that may have caused them to be more "accommodating".

The pull shows as "chase card".

About the Discover thing: Everyone seemed to say the Discover never triple pulls, so I double checked, and it turns out that there is no pull on my TU, only EX and EQ. I guess I imagined it...

Please fix that and update on CB. (In regards to discover triple pull)

Chase: Yes, this is known for a TU pull via CPC when EX on ice.

We are just talking the standard online and/or phone apps the majority do
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zalc on April 03, 2016, 01:38:35 PM


Please fix that and update on CB. (In regards to discover triple pull)
done (https://www.creditboards.com/forums/index.php?/topic/542057-Discover-luv-button-fixed:-Your-credit-line-has-been-increased.#entry5450912)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on April 03, 2016, 01:39:20 PM
done (https://www.creditboards.com/forums/index.php?/topic/542057-Discover-luv-button-fixed:-Your-credit-line-has-been-increased.#entry5450912)

I noticed  ;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: noturbizniss on April 15, 2016, 06:27:11 AM
Yesterday I applied online for wf cc and I called automated system or status. Said  it's declined because couldn't verify identity. rep said they need to ask some verification questions. Even the rep had issues pulling questions from my cr She just asked me a bunch of stuff of my report. Like if I have mortgage, auto loan, oldest card, card issuers etc. I just pulled up my report and answered them
After I answered  it's pushed past verification and cam actually be reviewed They said 24 to 48 hours.  Today I checked my 3 crs and all 3 show a pull, tu and EQ I saw on ck and ex I saw in trial membership. I Wonder if it's cuz of the verification issues. If so maybe I can somehow dispute some of them or have wf remove 2?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yoshapman on April 28, 2016, 10:53:50 AM
Citibank seems to now be hitting Experian and Equifax in NJ. Since I signed up for 2 cards 8 days apart, I called Experian and had them combined into 1 hit. Does anyone have the phone number where I can do the same for Equifax?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Crazy tools on May 12, 2016, 07:23:06 PM
Does discover really pull transunion and equifax in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: chinagel on May 12, 2016, 07:26:11 PM
recently applied for barclays jetblue in ny and they pulled ex >:(
Title: Re: Re: Re: Where Did Your Inquiries Pull From?
Post by: TimT on May 12, 2016, 07:27:05 PM
Does discover really pull transunion and equifax in NJ?
Discover pulld TU & EQ
Title: Re: Where Did Your Inquiries Pull From?
Post by: dgordon on May 13, 2016, 01:15:21 PM
Illinois

EDIT: I wrote Experian earlier - this was not the case. I believe my SPG pull was also Transunion, but I don't see it on Credit Sesame.
Title: Re: Where Did Your Inquiries Pull From?
Post by: elimmm on May 26, 2016, 06:00:02 PM
called experian to merge 2 chase pulls on same day. rep said impossible unless chase asks them to remove it as a mistake (which it wasn't, DUH!)
huca? or did i do s/t wrong?
Title: Re: Where Did Your Inquiries Pull From?
Post by: yochiek93 on May 26, 2016, 06:04:35 PM
called experian to merge 2 chase pulls on same day. rep said impossible unless chase asks them to remove it as a mistake (which it wasn't, DUH!)
huca? or did i do s/t wrong?
Probably did something wrong
Title: Re: Where Did Your Inquiries Pull From?
Post by: elimmm on May 26, 2016, 06:31:33 PM
Probably did something wrong
i supposed to call experian and just ask em to merge it, simply because pulls r from same day, even though they know that pulls r prob from 2 separate cards? or must i pretend that its a mistake?
Title: Re: Where Did Your Inquiries Pull From?
Post by: elimmm on May 26, 2016, 06:40:13 PM
 never mind, some reps r plain old dumb.  huca worked
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on June 08, 2016, 02:38:12 PM
I want to merge some Amex pulls (in NJ). Does they pull exclusively from Experian?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Scmcodes on June 08, 2016, 03:30:12 PM
I want to merge some Amex pulls (in NJ). Does they pull exclusively from Experian?
yes
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on June 08, 2016, 03:32:01 PM
yes
Thanks. Can I call right away, or I need to wait a few days?
ETA: Called right away, and got it done. She even deleted another pull from May 1.
Net result: 9 cards in 1 pull. ;D
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on June 08, 2016, 03:40:13 PM
if i need the cards asap i call them up and ask them to send a replacement overnight but the last plat i opened was overnighted automaticlly not sure why
My question was about calling Experian to merge pulls.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Scmcodes on June 08, 2016, 03:41:00 PM
My question was about calling Experian to merge pulls.
sorry wrong thread
Title: Re: Where Did Your Inquiries Pull From?
Post by: Iz on June 08, 2016, 03:42:21 PM
sorry wrong thread
;)
Title: Re: Where Did Your Inquiries Pull From?
Post by: sruliL on July 19, 2016, 11:57:09 PM
In NJ where will Chase Sapphire Preferred, Freedom, and Ink pull from-Transunion or Equifax?
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on July 20, 2016, 12:06:18 AM
In NJ where will Chase Sapphire Preferred, Freedom, and Ink pull from-Transunion or Equifax?
Should be EX & ocassionally TU IINM.
Title: Re: Where Did Your Inquiries Pull From?
Post by: chinagel on July 20, 2016, 03:17:53 PM
looks like barclays in ny started pulling from equifax
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on July 20, 2016, 04:58:08 PM
looks like barclays in ny started pulling from equifax

Was this for you personally?

Was it a double pull? TU and EQ?

CLI or new app?

I know some people who got a double pull on Barclays from EX and TU on a new app.
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on July 20, 2016, 07:13:00 PM
Barclay rep just told me he pulled TU in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Cappy on July 20, 2016, 07:14:30 PM
Barclay rep just told me he pulled TU in NY.

That's the norm for NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on July 20, 2016, 07:15:34 PM
Just confirming its still the norm.
Title: Re: Where Did Your Inquiries Pull From?
Post by: chinagel on July 22, 2016, 02:23:29 PM
Just confirming its still the norm.
interesting. ive had the last few for me and wife pull from eq
Title: Re: Where Did Your Inquiries Pull From?
Post by: rileywiles23 on August 29, 2016, 05:26:05 PM
Where does wells Fargo pull from in NY ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on September 06, 2016, 02:52:25 PM
Chase nj pulls experian right? Wiki is outdated?
Title: Re: Where Did Your Inquiries Pull From?
Post by: normaly on September 06, 2016, 10:47:44 PM
Chase nj pulls experian right? Wiki is outdated?
Same question where does chase pull from in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Triple Canopy on September 06, 2016, 10:51:51 PM
Same question where does chase pull from in nj?

Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Triple Canopy on September 06, 2016, 10:53:52 PM
Where does wells Fargo pull from in NY ?

For what product? LOC was Experian for me.
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on September 06, 2016, 10:58:56 PM
NJ
Which CB ? :)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Triple Canopy on September 06, 2016, 11:03:18 PM
Which CB ? :)

 :D Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: TimT on September 06, 2016, 11:04:09 PM
:D Experian
Hard to pull NJ with Christie in it.
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on September 07, 2016, 01:01:53 AM
Anybody that can fix the wiki? Its pretty relevant update. Chase nj pulls from experian. TIA
Title: Re: Where Did Your Inquiries Pull From?
Post by: User6669 on September 09, 2016, 04:37:37 AM
Anybody that can fix the wiki? Its pretty relevant update. Chase nj pulls from experian. TIA

Done.

Title: Re: Where Did Your Inquiries Pull From?
Post by: tjak on November 06, 2016, 12:24:55 AM
Anyone know where you get pulled from when applying for the Best Buy credit card in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 16, 2017, 04:29:23 PM
if i freeze experian and apply for amex from NY will amex pull elsewhere?
is there anyway to get amex to pull elsewhere, other then experian?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 16, 2017, 04:30:21 PM
Wiki is outdated?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 28, 2017, 02:46:15 AM
Amex chase and Citi all pulled from Experian and Barclay pulled TransUnion
Title: Re: Where Did Your Inquiries Pull From?
Post by: benjie1305 on March 28, 2017, 09:52:04 AM
Amex chase and Citi all pulled from Experian and Barclay pulled TransUnion

Would help if you listed which state you are in.
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on March 28, 2017, 09:52:30 AM
Amex chase and Citi all pulled from Experian and Barclay pulled TransUnion
Chase? You got past this?


Too many credit inquiries and lack of credit history
They shut 3consumer cards and business

Title: Re: Where Did Your Inquiries Pull From?
Post by: benjie1305 on March 28, 2017, 09:59:14 AM
Chase? You got past this?

Whether approved or not, you still have an inquiry.
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on March 28, 2017, 10:06:03 AM
Whether approved or not, you still have an inquiry.
That's true. I'm curious whether he got past that or not?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 28, 2017, 01:54:22 PM
Would help if you listed which state you are in.

NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 28, 2017, 02:02:36 PM
Chase? You got past this?
no
That's true. I'm curious whether he got past that or not?
i wish...
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on March 29, 2017, 02:16:06 PM
NJ:
Chase-Experian
Barclays-Transunion
Citi-Experian last week
Citi-Equifax today
BofA-Experian and Equifax

any reason for citi pulling Equifax?
and bofa pulling twice?
amex didn't pull? for the green and gold cards
Title: Re: Where Did Your Inquiries Pull From?
Post by: JTZ on March 29, 2017, 03:32:31 PM
any reason for citi pulling Equifax?
and bofa pulling twice?
amex didn't pull? for the green and gold cards
YMMV and who cares about inquires anyway?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 29, 2017, 03:41:51 PM
YMMV and who cares about inquires anyway?
Just got declined by citi for too many inquiries, hopefully recon will work.
Title: Re: Where Did Your Inquiries Pull From?
Post by: JTZ on March 29, 2017, 03:45:02 PM
Just got declined by citi for too many inquiries, hopefully recon will work.
A reason and the real reason are not always one in the same.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 29, 2017, 03:45:47 PM
A reason and the real reason are not always one in the same.
True, we'll see what happens.
Title: Re: Where Did Your Inquiries Pull From?
Post by: JTZ on March 29, 2017, 03:54:11 PM
True, we'll see what happens.
Going back some years Citi did have a hard rule (after 6 inquires IIRC) it was an automatic denial.
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 29, 2017, 04:01:24 PM
Going back some years Citi did have a hard rule (after 6 inquires IIRC) it was an automatic denial.
Well that may be a problem....
Title: Re: Where Did Your Inquiries Pull From?
Post by: JTZ on March 29, 2017, 04:04:28 PM
Well that may be a problem....
...they did away with that so stay positive!
Title: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 29, 2017, 04:05:26 PM
...they did away with that so stay positive!
Always
Got a bunch of amex apps done today without a pull so that's good.
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on March 29, 2017, 04:23:04 PM
Always
Got a bunch of amex apps done today without a pull so that's good.
+2 on amex. last pull was 4 m onths ago. is that a new thing that they don't pull anymore?
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 29, 2017, 06:38:20 PM
+2 on amex. last pull was 4 m onths ago. is that a new thing that they don't pull anymore?
YMMV http://www.doctorofcredit.com/amex-credit-card-approvals-without-hard-pull/
Title: Re: Where Did Your Inquiries Pull From?
Post by: shulem92 on March 29, 2017, 09:05:56 PM
...they did away with that so stay positive!
http://www.doctorofcredit.com/citi-deny-6-new-inquiries-one-credit-bureau-within-six-months/
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 31, 2017, 12:00:25 PM
+2 on amex. last pull was 4 m onths ago. is that a new thing that they don't pull anymore?
*
how do you not get a pull ??? ???
Title: Re: Where Did Your Inquiries Pull From?
Post by: mmgfarb on March 31, 2017, 12:01:37 PM

*
how do you not get a pull ??? ???
YMMV http://www.doctorofcredit.com/amex-credit-card-approvals-without-hard-pull/
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 31, 2017, 12:05:01 PM

read it already, it sounds like YMMV
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on March 31, 2017, 12:05:44 PM
read it already, it sounds like YMMV
can i freeze all reports and still get approved? ???
Title: Re: Where Did Your Inquiries Pull From?
Post by: Am on March 31, 2017, 12:54:59 PM
I just did a 3bm with Chase. Mix of personal and business. Got only one pull from Experian.
Title: Re: Where Did Your Inquiries Pull From?
Post by: JTZ on March 31, 2017, 05:28:36 PM
I just did a 3bm with Chase. Mix of personal and business. Got only one pull from Experian.
Did you get approved for all three?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on April 02, 2017, 07:51:21 PM
I just did a 3bm with Chase. Mix of personal and business. Got only one pull from Experian.
+2 back in November i also only got one pull for 3 consumer and one business!!
all 4 approved some with recons heip
Title: Re: Where Did Your Inquiries Pull From?
Post by: booyaa on April 02, 2017, 10:42:35 PM
+2 back in November i also only got one pull for 3 consumer and one business!!
all 4 approved some with recons heip

Which cards and which state?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on April 05, 2017, 07:23:29 PM
Which cards and which state?
NY
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on April 05, 2017, 07:26:13 PM
*
how do you not get a pull ??? ???
biz spg, no pull. :P
then, 4 hours later applied for consumer spg, pulled :(
(yes, both approved instantly, B"H)
Title: Re: Where Did Your Inquiries Pull From?
Post by: Redbull3 on June 22, 2017, 12:22:19 AM
TD bank in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Yhgfkj on June 22, 2017, 12:31:24 AM
TD bank in NY?
Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: Mordyk on November 09, 2017, 10:46:30 AM
Any recent data where barclaycard pulls in nj?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Elikip on November 19, 2017, 07:51:24 PM
Sorry if the answer to my question is available upthread...
Does Amex business and personal applied on the same day count as one pull or two?
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on November 19, 2017, 07:53:23 PM
Sorry if the answer to my question is available upthread...
Does Amex business and personal applied on the same day count as one pull or two?
One. If both applications are processed the same day.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Pesach on February 04, 2018, 02:23:03 PM
If  you live in ny and apply for a cc while your on vacay in california would that make a difference where the credit report is pulled from? or if you writing your new york address on the application then it will get pulled from the ny guidelines?
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on February 04, 2018, 02:23:33 PM
If  you live in ny and apply for a cc while your on vacay in california would that make a difference where the credit report is pulled from? or if you writing your new york address on the application then it will get pulled from the ny guidelines?
The location you put in.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Pesach on February 04, 2018, 02:56:27 PM
thank you Mr rotts for taking the time to answer my questions.
Title: Re: Where Did Your Inquiries Pull From?
Post by: US on March 13, 2018, 04:31:15 PM
AMEX pulled TU in NY.
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on March 27, 2018, 05:49:27 PM
Wells Fargo in NY?
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on March 27, 2018, 05:56:38 PM
Wells Fargo in NY?
Usually EX.

For accurate answers
www.doctorofcredit.com/credit-bureau-wells-fargo-pull/

https://creditboards.com/forums/index.php?app=creditpulls
Title: Re: Where Did Your Inquiries Pull From?
Post by: LoLo on March 27, 2018, 05:57:47 PM
Thanks.

DOC has an EQ DP, anyone knows if a frozen EX is an issue for them?
Title: Re: Where Did Your Inquiries Pull From?
Post by: jollyjoe on March 28, 2018, 02:28:36 AM
I applied for sapphire preferred and got approved immediately. I had one pull from one (Experian) and the next day a pull from a different credit bureau. Is this cause for alarm?
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on March 28, 2018, 09:47:41 AM
I applied for sapphire preferred and got approved immediately. I had one pull from one (Experian) and the next day a pull from a different credit bureau. Is this cause for alarm?
Both from Chase from the same time(day or 2)?
Title: Re: Where Did Your Inquiries Pull From?
Post by: metsgiantsfan on March 28, 2018, 10:41:28 AM
applying for a business and personal same bank and same airline card. bein that i have to put my s.s on the business application, shouldi  do a double browser and submit within seconds of each other for only 1 pull?
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on March 28, 2018, 10:43:43 AM
applying for a business and personal same bank and same airline card. bein that i have to put my s.s on the business application, shouldi  do a double browser and submit within seconds of each other for only 1 pull?
It makes know difference how close together you did it as long as it's the same day. Some banks will be 2 pulls regardless, and some will be only 1.
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dovdovmoneytree on May 06, 2018, 11:27:57 PM
Applied and approved on Friday for new Chase Marriott card. I was alerted yesterday to a pull on Experian but today I got an alert to a pull from Transunion. Is this strange?? This is in Michigan btw.
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on May 06, 2018, 11:28:43 PM
Applied and approved on Friday for new Chase Marriott card. I was alerted yesterday to a pull on Experian but today I got an alert to a pull from Transunion. Is this strange?? This is in Michigan btw.
A little. Chase can be random with pulls at time. Did you confirm both were pulled?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Dovdovmoneytree on May 07, 2018, 09:08:01 AM
A little. Chase can be random with pulls at time. Did you confirm both were pulled?

I was alerted to the pulls by TrustedID (Equifax credit monitoring), I didn't actually confirm the pulls on my own. I did notice in the Wiki, someone else said that Chase other EX and TU.
Title: Re: Where Did Your Inquiries Pull From?
Post by: davidrotts63 on August 12, 2018, 08:01:07 PM
Anyone have a recent DP on USB, WF, and Sync in NJ?
Title: Re: Where Did Your Inquiries Pull From?
Post by: a good yeshiva bachur on August 22, 2018, 02:22:18 PM
can someone please update wiki...
i wanna apply using a NJ address and need to confirm pulls for BOFA CITI BARCLAYS and US Bank
Title: Re: Where Did Your Inquiries Pull From?
Post by: Chaimk90 on August 26, 2018, 01:45:58 AM
How long does a Barclays credit pull stay on my Transunion report?
Title: Re: Where Did Your Inquiries Pull From?
Post by: Zevwolf on September 02, 2018, 12:40:59 PM
New York Discover: Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: TBD on October 15, 2018, 11:45:56 PM
New York. Citi personal. Equifax and Experian
Title: Re: Where Did Your Inquiries Pull From?
Post by: shmielyosef on November 13, 2018, 04:27:06 AM
NJ Citi personal equifax
Barclays TU
Title: Re: Where Did Your Inquiries Pull From?
Post by: shmielyosef on November 15, 2018, 09:50:54 AM
NJ Citi personal equifax
Barclays TU
Correction
NJ Citi experian
Barclays TU only even after recon
Title: Re: Where Did Your Inquiries Pull From?
Post by: Joel on February 20, 2019, 08:45:22 PM
NY.

Chase - Experian
Citi - Experian, Equifax
Barclays - Transunion
Amex - didn't pull last app since I have amex accounts I guess.