Where Did Your Inquiries Pull From?

[Boruch999]

Discover in MA?

[TimT]

Discover in MA?

From searching around seems to be EQ or TU.

[kivabb]

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?

[SearchGuy]

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

[noturbizniss]

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?

[SearchGuy]

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

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.

[SearchGuy]

Why not just check your experian report?

Aren't they (CS) monitoring my EX report? whats my point?

[noturbizniss]

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

[SearchGuy]

Why trust someone else when you can see the real one yourself for free

Is it free? Link?

[TimT]

Is it free? Link?

https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.

[noturbizniss]

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.

[Barryg]

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...

[lybbtthl]

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

[SrulyP]

Does it matter where I apply from (different state) or does it only matter where the mailing/billing address is?

[TimT]

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

[yoshi]

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?

[noturbizniss]

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.

[yoshi]

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

[noturbizniss]

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?

[yoshi]

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.