Topic Wiki

California
Amex: Experian (1 hit applying for Gold and Platinum :) )
BofA: TransUnion and Experian
Chase: Experian/Equifax/Transunion
Citi: Experian
Barclays: TransUnion

Colorado
Experian - Capital One (all 3), Amex, Chase, Citi - reg and bus
TU- Barclays

Florida
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/Experian
PenFed: Equifax
Barclays: Transunion

Illinois
Equifax=All my citi apps
Experian= 2 amex and 2 chase
Transunion= 3 chase (came up as first usa)
Update as of 2/12/2014:
Bank of America: Experian
Barclays: Transunion
Citibank: Experian AND Equifax (I only applied for one card!)
US Bank: Transunion

Massachusetts:
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

New Jersey
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
Chase: Experian
Barclays: Transunion
(recon pulls all 3)
US Bank: experian
Discover: Transunion & Equifax
Penfed: Equifax
Bank of America 6/15/15: Experian (shoobi)
Verizon: Equifax

New York:
Amex: Experian (three browser trick confirmed, at least for AsherO)
Bank of America:Experian{by freezing, TransUnion}
CapitalOne: All three bureaus, duh!
Chase: Experian (three browser trick confirmed, at least for AsherO)/equifax
Citi: Equifax Experian both(three browser trick confirmed (AsherO), though it seems biz card was a separate pull), both personal and biz pulls./Experian
Discover: Equifax
SimmondsFirst: TransUnion
Synchrony: TransUnion
chase banking: trans union
Barclays: TransUnion
Bofa: Experian
Schwab: Equifax
Macy's: Experian
M and T Bank: All 3 (Both cc and loans)
Bill Me Later: Equifax
Verizon: Equifax

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

Tennessee:
AMEX: Experian
Chase Credit Cards: Equifax
Citi (Consumer and CBSD/Business): Equifax
Barclay: Transunion

Pennsylvania
Amex: Experian
Chase: Transunion and Experian
Citi: Experian
Barclays: Transunion
BofA Personal: Experian
BofA Business: Transunion
Comcast: Equifax

Washington
Amex(Consumer/Business): Experian
Chase Credit Cards (business): Experian and Equifax
Citi (Consumer): Experian and Transunion
Barclay: Transunion
« Last edited by joew on September 19, 2016, 01:53:55 PM »

Author Topic: Where Did Your Inquiries Pull From?  (Read 209291 times)

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #120 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...
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #121 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.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #122 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?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #123 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.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #124 on: July 22, 2011, 02:31:59 AM »
My addresses were both in the same state.

Well, then, duhhh  :P
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #125 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.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #126 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.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4395
  • Total likes: 8
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Where Did Your Inquiries Pull From?
« Reply #127 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

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #128 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.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4395
  • Total likes: 8
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Where Did Your Inquiries Pull From?
« Reply #129 on: July 22, 2011, 02:53:41 AM »
Then you should be fine. All others see my previous post

Offline skyguy918

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 3477
  • Total likes: 616
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: Queens, NY
Re: Where Did Your Inquiries Pull From?
« Reply #130 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.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #131 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?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #132 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.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #133 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.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline miles

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jul 2010
  • Posts: 807
  • Total likes: 0
  • DansDeals.com Hat Tips 2
    • View Profile
  • Programs: Air Canada, UA PLT, ANA, Delta Platinum, AA, BA, Aerosvit, A/A by Chase closed all accounts
Re: Where Did Your Inquiries Pull From?
« Reply #134 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.

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #135 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...)

Offline miles

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jul 2010
  • Posts: 807
  • Total likes: 0
  • DansDeals.com Hat Tips 2
    • View Profile
  • Programs: Air Canada, UA PLT, ANA, Delta Platinum, AA, BA, Aerosvit, A/A by Chase closed all accounts
Re: Where Did Your Inquiries Pull From?
« Reply #136 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

Online AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 28047
  • Total likes: 4881
  • DansDeals.com Hat Tips 77
    • View Profile
  • Location: NYC
Re: Where Did Your Inquiries Pull From?
« Reply #137 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)

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25541
  • Total likes: 509
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Where Did Your Inquiries Pull From?
« Reply #138 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
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline miles

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jul 2010
  • Posts: 807
  • Total likes: 0
  • DansDeals.com Hat Tips 2
    • View Profile
  • Programs: Air Canada, UA PLT, ANA, Delta Platinum, AA, BA, Aerosvit, A/A by Chase closed all accounts
Re: Where Did Your Inquiries Pull From?
« Reply #139 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