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 258601 times)

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #520 on: October 25, 2013, 01:29:00 PM »
Interesting, Just applied for a citi business w/o freezing ex and did not get a pull on it. (NYC)
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Offline Shmulyg

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Re: Where Did Your Inquiries Pull From?
« Reply #521 on: October 25, 2013, 04:29:22 PM »
I thought you wanted higher. ::)
Lol! No, not with Citi.

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #522 on: October 27, 2013, 09:09:50 PM »
Did a 2 bm last week w Amex and for some reason the 2nd card app did not go through till the next day. Now I have two inquiries on back to back days >:(
How do I combine them?
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Offline @Yehuda

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Re: Where Did Your Inquiries Pull From?
« Reply #523 on: October 27, 2013, 10:28:19 PM »
Did a 2 bm last week w Amex and for some reason the 2nd card app did not go through till the next day. Now I have two inquiries on back to back days >:(
How do I combine them?

Did a 4bm and also had a 2nd pull the next day. The biz card I applied for wasn't approved that first day, so I assume it was another pull for that. Was one of yours a biz card?

Offline ayman

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Re: Where Did Your Inquiries Pull From?
« Reply #524 on: October 27, 2013, 11:04:25 PM »
not w amex. Had two pulls w Chase as well but that I expected... one pers and 2 bus.
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Offline hertzinstl

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Re: Where Did Your Inquiries Pull From?
« Reply #525 on: October 28, 2013, 07:56:43 AM »
MO:
chase, TU

Offline Barryg

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Re: Where Did Your Inquiries Pull From?
« Reply #526 on: October 28, 2013, 03:00:38 PM »
Did a 4bm and also had a 2nd pull the next day. The biz card I applied for wasn't approved that first day, so I assume it was another pull for that. Was one of yours a biz card?
What time was the 4bm, may be useful info for the future and for the rest of us...

Offline bobthebuilder

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Re: Where Did Your Inquiries Pull From?
« Reply #527 on: October 28, 2013, 05:38:16 PM »

Offline @Yehuda

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Re: Where Did Your Inquiries Pull From?
« Reply #528 on: October 28, 2013, 09:02:42 PM »
What time was the 4bm, may be useful info for the future and for the rest of us...

Sunday around 11PM

Offline Barryg

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Re: Where Did Your Inquiries Pull From?
« Reply #529 on: October 29, 2013, 01:07:08 AM »
Sunday around 11PM
Lesson learned, next time AOR or 3bm weekday early in day...

Offline @Yehuda

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Re: Where Did Your Inquiries Pull From?
« Reply #530 on: October 29, 2013, 12:29:52 PM »
Lesson learned, next time AOR or 3bm weekday early in day...

+1

Offline hertzinstl

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Re: Where Did Your Inquiries Pull From?
« Reply #531 on: October 29, 2013, 01:23:20 PM »
Lesson learned, next time AOR or 3bm weekday early in day...
Does the time actually make a difference?

Offline Barryg

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Re: Where Did Your Inquiries Pull From?
« Reply #532 on: October 29, 2013, 01:45:56 PM »
Does the time actually make a difference?
If someone gets 2 pulls 4 or 5 days apart for one app (or a 3bm) then it has nothing to do with time... So far only reports of a 2nd pull the next day from ppl that applied late in the day...
As far as calling recon, where it's best to call day of app, applying earlier in day leaves more time to PUTPAC...

Offline smurf

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Re: Where Did Your Inquiries Pull From?
« Reply #533 on: October 30, 2013, 02:19:17 PM »
Any recent experience with barclays in NJ?

Offline wonderlust

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Re: Where Did Your Inquiries Pull From?
« Reply #534 on: November 10, 2013, 06:58:59 PM »
I just did a 2bm citi ( business& personal) from ny. I froze Experian & was told they cAn only pull from Experian on this app & that the system is random. I cancelled the application & am now debating : 1- applying on phone & telling them mom-Experian ( worked with chase 4 me)
2- applying from nj or pA . Both states on my credit report .
3- reapplying same & hoping 4 different results ( einstiens adage not with standing )..
Any advice ?
Thanks

Offline AharonInIsrael

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Re: Where Did Your Inquiries Pull From?
« Reply #535 on: November 11, 2013, 04:09:29 AM »
Applying from NJ won't change anything - they definitely pull from Experian in NJ (don't know about PA). From other posters it seems like they're more flexible with using a different bureau for personal cards and not business, but I don't know at all if there's a difference when applying via phone - anyone else have experience to add?

Offline wonderlust

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Re: Where Did Your Inquiries Pull From?
« Reply #536 on: November 11, 2013, 08:28:40 AM »
Thanks.what percentage are from pulled from exp in ny? I was under the impression most were eqfx . Is it s/t that is at the discretion of agent & therefore huca or is it indeed locked ? Pa is wife's home  address which I have chase Buisness cards address listed under so should come up under my credit report..  Also I have a aa vista Platnuim from 2 yrs ago . Should I not give my advantage number on application to increase chance of being able to churn..

Offline AJK

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Re: Where Did Your Inquiries Pull From?
« Reply #537 on: November 11, 2013, 10:38:05 PM »
Citi pulled EQ and EX in NJ for Citi app with automagic approval.
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Offline Red

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Re: Where Did Your Inquiries Pull From?
« Reply #538 on: November 22, 2013, 05:30:01 AM »
I did an AOR on 11/18, only one amex card and they didn't pull until 11/21. Ex in NY

Offline joeberg

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Re: Where Did Your Inquiries Pull From?
« Reply #539 on: November 22, 2013, 07:04:46 AM »
Citi pulled EQ and EX in NJ for Citi app with automagic approval.
Which app has it and what does that mean.