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Old Sep 11, 2016 | 3:24 pm
  #162  
RDY3238
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Join Date: May 2001
Location: PDX
Posts: 863
Chase. BofA. AMEX -Oregon

Card Issuer: Chase
Type: IHG Mastercard
City and State: Oregon
Inquiry date: 6/2016
CRA: Equifax
Approved. FICO #8 >800

Card Issuer: BofA
Type: Alaska Visa Signature
City and State: Oregon
Inquiry date: 9/2016
CRA: Experian Scorecard or TU.
Approved: FICO #8 >800

Issuer: AMEX
Type: Blue Everyday Cashback
State: Oregon
Inquiry date: 7/2016. Product change from SPG
CRA: Equifax. (No hard pull - sideways move + same credit line)
Approved FICO >800

Note: All bureaus have consumer freeze applied. Typically I apply online, wait for denial, then call credit analyst and ask them which bureau to lift.
Oregon is $10 per freeze/lift so why do all three.... Calling them prior to application is fruitless. Credit Analyst or Recon line will not talk to you prior to application. 1-800 application dept are clueless about CRA's. So this way forces the matter and they are then happy to talk to you as there is fresh application right in front of them. Much valuable information can be obtained by chatting to these folks if you are strategic.
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