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 140015 times)

Offline AsherO

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Re: Where Did Your Inquiries Pull From?
« Reply #75 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.
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Offline Saver2000

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Re: Where Did Your Inquiries Pull From?
« Reply #76 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.

Offline AsherO

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Re: Where Did Your Inquiries Pull From?
« Reply #77 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?
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Offline Cholentfresser

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Re: Where Did Your Inquiries Pull From?
« Reply #78 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.
In order to understand recursion, you first need to understand recursion.

Offline AsherO

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Re: Where Did Your Inquiries Pull From?
« Reply #79 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.
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Offline josh nyc

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Re: Where Did Your Inquiries Pull From?
« Reply #80 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?

Offline AsherO

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Re: Where Did Your Inquiries Pull From?
« Reply #81 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
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Offline josh nyc

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Re: Where Did Your Inquiries Pull From?
« Reply #82 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?

Offline elduderotomy

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Re: Where Did Your Inquiries Pull From?
« Reply #83 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.

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Re: Where Did Your Inquiries Pull From?
« Reply #84 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?

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Re: Where Did Your Inquiries Pull From?
« Reply #85 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?
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Offline Dan

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Re: Where Did Your Inquiries Pull From?
« Reply #86 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 and get $250 and a no annual fee card with free CDW in Israel?
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Re: Where Did Your Inquiries Pull From?
« Reply #87 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 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?

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Re: Where Did Your Inquiries Pull From?
« Reply #88 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

Offline AsherO

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Re: Where Did Your Inquiries Pull From?
« Reply #89 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?
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