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 182678 times)

Offline raphy781

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Re: Where Did Your Inquiries Pull From?
« Reply #465 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.)

Offline Lou Bob

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Re: Where Did Your Inquiries Pull From?
« Reply #466 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
Always use an Amex, you'll thank me one day.

Offline raphy781

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Re: Where Did Your Inquiries Pull From?
« Reply #467 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?

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #468 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.
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Offline Lou Bob

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Re: Where Did Your Inquiries Pull From?
« Reply #469 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
Always use an Amex, you'll thank me one day.

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #470 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.
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Offline raphy781

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Re: Where Did Your Inquiries Pull From?
« Reply #471 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.

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #472 on: August 21, 2013, 12:35:55 AM »
2 diff dealers?
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Offline raphy781

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Re: Where Did Your Inquiries Pull From?
« Reply #473 on: August 21, 2013, 12:44:24 AM »
2 diff dealers?
Both are Honda Financial Services, but have different addresses.

Offline smaxber

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Re: Where Did Your Inquiries Pull From?
« Reply #474 on: August 21, 2013, 12:44:42 AM »
anyone have an explanation about this?

amex pulled form 3?

citi pulled form 2?

Offline smaxber

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Re: Where Did Your Inquiries Pull From?
« Reply #475 on: August 21, 2013, 12:46:14 AM »
anyone have an explanation about this?

citi pulled form 2?

Offline raphy781

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Re: Where Did Your Inquiries Pull From?
« Reply #476 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

Offline LA2NYC

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Re: Where Did Your Inquiries Pull From?
« Reply #477 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?

Offline AJK

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Re: Where Did Your Inquiries Pull From?
« Reply #478 on: August 21, 2013, 03:37:37 PM »
Yes IMHO.
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Offline LA2NYC

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Re: Where Did Your Inquiries Pull From?
« Reply #479 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?