Chase Equifax

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Old Oct 17, 17, 4:13 pm
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Chase Equifax

Any data points on whether or not Chase is still pulling credit reports for CSR through Equifax? My wife is 7/24 on Equifax and 3/24 on TU.
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Old Oct 17, 17, 4:19 pm
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Originally Posted by Los_Pepes View Post
... My wife is 7/24 on Equifax and 3/24 on TU.
To be sure we understand correctly, Equifax is showing four accounts opened in the past 24 months that are missing from TransUnion?
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Old Oct 17, 17, 4:47 pm
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Originally Posted by mia View Post
To be sure we understand correctly, Equifax is showing four accounts opened in the past 24 months that are missing from TransUnion?
Correct
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Old Oct 17, 17, 5:32 pm
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It's common for the number of inquiries to vary, but most issuers report all accounts to all three bureaus. You may wish to look here to see which bureau Chase typically uses in your area:

https://creditboards.com/forums/inde...pp=creditpulls
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Old Oct 17, 17, 5:35 pm
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Originally Posted by Los_Pepes View Post
Originally Posted by mia View Post
To be sure we understand correctly, Equifax is showing four accounts opened in the past 24 months that are missing from TransUnion?
Correct
Los_Pepes, so are you talking about complete new account info missing, or just about inquiries missing? Inquiries only show on the bureau that was pulled by the bank. Complete new account info should show on all 3 bureaus much the same (except for new cards that were just opened, they might possibly take just a little longer to shop up at one bureau than another bureau).

So unless a bank pulled from 2 bureaus, the 7 inquiries that are apparently showing on EQ should be totally different than the 3 inquires that are apparently showing on TU.

Do you understand the difference between inquiries (pulls) and complete new account info? Chase's 5/24 does not look at inquiries, it only counts all the bank accounts on your credit report that show an "opened on" date in the past 24 months (in the complete account info section of the credit report; inquiries are in a different section of your credit report).

So that's why using terminology like 3/24 and 7/24 to mean inquiries (pulls), rather than complete new account info data, in the Chase forum, would be confusing.

And that's why we're all confused as to whether you're saying you have 3 inquires at TU and 7 at EQ, or if you're saying that all the complete account info for 4 cards are missing from TU (if so, what kind of cards are those and when were they opened)?

Please clarify. Thanks.

Last edited by sdsearch; Oct 17, 17 at 5:42 pm
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Old Oct 17, 17, 6:21 pm
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Originally Posted by sdsearch View Post
Los_Pepes, so are you talking about complete new account info missing, or just about inquiries missing? Inquiries only show on the bureau that was pulled by the bank. Complete new account info should show on all 3 bureaus much the same (except for new cards that were just opened, they might possibly take just a little longer to shop up at one bureau than another bureau).

So unless a bank pulled from 2 bureaus, the 7 inquiries that are apparently showing on EQ should be totally different than the 3 inquires that are apparently showing on TU.

Do you understand the difference between inquiries (pulls) and complete new account info? Chase's 5/24 does not look at inquiries, it only counts all the bank accounts on your credit report that show an "opened on" date in the past 24 months (in the complete account info section of the credit report; inquiries are in a different section of your credit report).

So that's why using terminology like 3/24 and 7/24 to mean inquiries (pulls), rather than complete new account info data, in the Chase forum, would be confusing.

And that's why we're all confused as to whether you're saying you have 3 inquires at TU and 7 at EQ, or if you're saying that all the complete account info for 4 cards are missing from TU (if so, what kind of cards are those and when were they opened)?

Please clarify. Thanks.
Very helpful information. I checked and she has 3 hard pulls from TU, 7 from EQ but both show the same accounts with the account open dates.
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Old Oct 18, 17, 6:43 am
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Definitely do not conflate inquiries and new accounts. While a new credit account typically involves an inquiry, not all inquiries lead to new accounts. One may be denied, for example. Hard inquiries are also used for other purposes such as establishing credit union membership, credit limit increases, etc.
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