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Old Oct 20, 10, 1:56 pm   #1
formerly known as Frugal Travel Guy
Original Poster
  
Join Date: Jul 2001
Location: Hilton Head Island, SC
Programs: AA Exec Plat, UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,897
Credit Pulls Database

Serious Card churners benefit from having an idea which credit reporting agency will probably pull the credit for a given card application. Example: a Chase Hyatt card from a South Carolina address was pulled by Equifax in September 2010

Here is the suggested format:

Card Issuer: First USA Chase
Card Type: Chase Hyatt card
City and State: Hilton Head Island, SC
Approx Inquiry: Date 9/19/10
Credit Agency: Equifax

Optional Info:
Credit Score: 825 VantageScore Scale the other scale is FICO
Result: Approved
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Old Oct 20, 10, 2:00 pm   #2
formerly known as Frugal Travel Guy
Original Poster
  
Join Date: Jul 2001
Location: Hilton Head Island, SC
Programs: AA Exec Plat, UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,897
Amex SPG Personal And Business two cards

Card Issuer :American Express
Card Type: SPG Personal and SPG Business
City and State: Hilton Head Island, SC
Date of Inquiries: 7/21/10 and 7/29/10
Credit Agency: Experian and Experian

Optional Info

Credit Score: 843 843 VantageScore scale
Approved Approved
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Old Oct 20, 10, 2:02 pm   #3
formerly known as Frugal Travel Guy
Original Poster
  
Join Date: Jul 2001
Location: Hilton Head Island, SC
Programs: AA Exec Plat, UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,897
Amex Premier Rewards Travel Card

American Express
Premier Rewards Travel Card
Hilton Head Island, SC
4/26/10
Experian

Credit score over 800 on Vantage Score Scale
Approved
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Old Oct 20, 10, 2:04 pm   #4
formerly known as Frugal Travel Guy
Original Poster
  
Join Date: Jul 2001
Location: Hilton Head Island, SC
Programs: AA Exec Plat, UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,897
Chase Sapphire Preferred Card

Chase First USA Bank
Chase Sapphire Preferred Card
Hilton Head Island, SC
7/20/10
Equifax

Credit Score Over 800 VS scale
approved
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Old Oct 20, 10, 3:11 pm   #5
Moderator: Credit Card Programs & Chase Ultimate Rewards
  
Join Date: Aug 2002
Location: Anywhere a good micro brew is served!!
Programs: Too many to list
Posts: 8,563
Isn't there a large database/link on FatWallet that helps you find out this info? I remember seeing it a couple years ago. Or I'm just senile. Thanks, ingy.
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Old Oct 20, 10, 6:09 pm   #6
  
Join Date: Sep 2009
Programs: *G, SPG, OW Sapphire
Posts: 2,563
Great idea...where can we find information on what credit bureau pulled our credit?
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Old Oct 20, 10, 6:13 pm   #7
  
Join Date: Sep 2009
Posts: 1,758
Will there be a searchable database like the one at CB?
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Old Oct 20, 10, 6:17 pm   #8
  
Join Date: Aug 2006
Location: CLT
Posts: 7,094
Quote:
Originally Posted by philemer View Post
Isn't there a large database/link on FatWallet that helps you find out this info? I remember seeing it a couple years ago. Or I'm just senile. Thanks, ingy.
There's on at credit boards. dunno about FW

Quote:
Originally Posted by johndeere19 View Post
Great idea...where can we find information on what credit bureau pulled our credit?
From your credit report. Usually new credit cards will only pull 1 credit report so you'd see an inquiry from AMEX on 1 but not the other 2.
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Old Oct 20, 10, 9:16 pm   #9
  
Join Date: Jun 2007
Posts: 40
Card Issuer :Barclays Bank Delaware
Card Type: US Airways Dividend Miles Mastercard
City and State: Dallas, TX
Date of Inquiries: 10/10/2010
Credit Agency: Equifax
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Old Oct 21, 10, 5:55 am   #10
  
Join Date: Sep 2009
Posts: 1,758
Is this the place to discuss other things related to an inquire? Like putting a freeze to get a different CR pulled? How to get an inquire removed or bumped?
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Old Oct 21, 10, 6:43 am   #11
  
Join Date: Feb 2009
Location: NYC
Posts: 195
All of my Citi/Chase/Amex Card applications in the past 2 years hit Experian. As a result, I have ALOT of inquiries with Experian, but almost nothing with TransUnion and Equifax. This is very frustrating as most of the good offers come from Citi/Chase, and I can't get in no more. Anyone in the NYC area know who pulls from TransUnion and Equifax?

Card Issuer: Chase & Citi
Card Type: Continental One Pass Plus & Citi AA Visa
City and State: Queens, NY
Approx Inquiry Date 9/30/2010
Credit Agency: Experian

Optional Info:
Credit Score: 760+ (MyFico.com)
Result: All Rejected due to "Too many inquiries..."
P.S: Sent in reconsideration letters, have yet to hear anything back.
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Old Oct 21, 10, 6:44 am   #12
  
Join Date: Oct 2010
Location: Metro DC
Programs: UA Plat, SPG Gold, HH Gold, Priority Club Platinum, Hertz #1 Gold Club
Posts: 284
Does all these pulls ruin your credit
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Old Oct 21, 10, 6:53 am   #13
  
Join Date: May 2010
Location: WAS
Programs: Lotz
Posts: 1,381
Issuer: CitiBank
Cards: Advantage Visa, AmEx, and Business Visa
Date: May 7, 2010
Location: Washington, DC
Credit Report: Experian
Score (Credit Karma): 770
Neighbors who have gotten these cards recently have all also had Experian reports.
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Old Oct 21, 10, 7:20 am   #14
  
Join Date: Jul 2008
Posts: 41
Quote:
Originally Posted by NYC101 View Post
All of my Citi/Chase/Amex Card applications in the past 2 years hit Experian. As a result, I have ALOT of inquiries with Experian, but almost nothing with TransUnion and Equifax. This is very frustrating as most of the good offers come from Citi/Chase, and I can't get in no more. Anyone in the NYC area know who pulls from TransUnion and Equifax?

Card Issuer: Chase & Citi
Card Type: Continental One Pass Plus & Citi AA Visa
City and State: Queens, NY
Approx Inquiry Date 9/30/2010
Credit Agency: Experian

Optional Info:
Credit Score: 760+ (MyFico.com)
Result: All Rejected due to "Too many inquiries..."
P.S: Sent in reconsideration letters, have yet to hear anything back.
Citi AAdvantage pulls Transunion in California. Freeze Experian and see if they pull the other bureaus. Since Citi pulls TU in Calif, freezing Experian may work.
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Old Oct 21, 10, 7:23 am   #15
  
Join Date: Jul 2008
Posts: 41
Card: Citibank AAdvantage Personal Visa, AMEX
Date: Early August 2010
Bureau: Transunion
Approved. FICO approx 720-730 range.
Location: Southern California
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