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 290831 times)

Offline Boruch999

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Re: Where Did Your Inquiries Pull From?
« Reply #680 on: January 17, 2015, 05:01:53 PM »
Discover in MA?

Offline TimT

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Re: Where Did Your Inquiries Pull From?
« Reply #681 on: January 17, 2015, 06:29:02 PM »
Discover in MA?
From searching around seems to be EQ or TU.

Offline kivabb

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Re: Where Did Your Inquiries Pull From?
« Reply #682 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?

Offline SearchGuy

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Re: Where Did Your Inquiries Pull From?
« Reply #683 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

Offline noturbizniss

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Re: Where Did Your Inquiries Pull From?
« Reply #684 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?
READ THE DARN WIKI!!!!

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Offline SearchGuy

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Re: Where Did Your Inquiries Pull From?
« Reply #685 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.
« Last Edit: January 29, 2015, 10:33:58 PM by SearchGuy »

Offline SearchGuy

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Re: Where Did Your Inquiries Pull From?
« Reply #686 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?

Offline noturbizniss

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Re: Where Did Your Inquiries Pull From?
« Reply #687 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
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline SearchGuy

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Re: Where Did Your Inquiries Pull From?
« Reply #688 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?

Offline TimT

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Re: Where Did Your Inquiries Pull From?
« Reply #689 on: January 29, 2015, 10:37:36 PM »

Offline noturbizniss

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Re: Where Did Your Inquiries Pull From?
« Reply #690 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.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline Barryg

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Re: Where Did Your Inquiries Pull From?
« Reply #691 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...

Offline lybbtthl

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Re: Where Did Your Inquiries Pull From?
« Reply #692 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

Offline SrulyP

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Re: Where Did Your Inquiries Pull From?
« Reply #693 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?

Offline TimT

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Re: Where Did Your Inquiries Pull From?
« Reply #694 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

Offline yoshi

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Re: Where Did Your Inquiries Pull From?
« Reply #695 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?
« Last Edit: March 17, 2015, 06:13:18 PM by yoshi »

Offline noturbizniss

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Re: Where Did Your Inquiries Pull From?
« Reply #696 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.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline yoshi

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Re: Where Did Your Inquiries Pull From?
« Reply #697 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

Offline noturbizniss

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Re: Where Did Your Inquiries Pull From?
« Reply #698 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?
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline yoshi

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Re: Where Did Your Inquiries Pull From?
« Reply #699 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.