Originally Posted by
whynotgo
… I checked my credit report. Barclays (Usairways card) pulled my credit report from Transunion. For me, hardly any credit issuers pull Transunion. I have many recent credit pulls on Equifax and Experian. My Transunion credit pulls are low and my credit score is high. Almost guarantees application approval...
Originally Posted by
chespeak2002
…For California, they usually pull TransUnion and maybe a second CR (like Equifax), sometimes 3rd. I'm deciding whether or not to apply depending on how they pull credit.
Originally Posted by
libuser
they pulled from all 3 here
I was instantly approved...
Originally Posted by
tassojunior
It's very unusual for anyone to pull TransUnion on DC residents. Citi, AmEx & Chase almost always use Experian here. …
(I apologize for the thread creep.) I know little about credit reports and credit reporting agencies procedures. I’m lucky that I’ve never been irreversibly denied credit other than “for first time cardholders”. Anytime I’ve been denied for “too many accounts” or “too much available credit” or “too many recent inquiries” I’ve been approved after an explanatory phone call.
I’m curious how you all obtain this kind of information so quickly. Does it require a paid membership with each of the 3 credit reporting agencies?