Credit Pulls Database
Mar 21, 2015, 8:22 am
#153
Join Date: Mar 2010
Posts: 140
Summary of my inquiries within the past year. I'm in northern NJ:
Experian: Chase Ink Plus, Sapphire Preferred, Ink Bold, Hyatt, Ritz Carlton, Marriot Rewards Premier, IHG rewards Club; BOA AA; Citi HH, AA Exec; Amex OBC, BRG
TransUnion: Barclay US Airways and Arrival+; USB Club Carlson
Experian: Chase Ink Plus, Sapphire Preferred, Ink Bold, Hyatt, Ritz Carlton, Marriot Rewards Premier, IHG rewards Club; BOA AA; Citi HH, AA Exec; Amex OBC, BRG
TransUnion: Barclay US Airways and Arrival+; USB Club Carlson
Sep 22, 2015, 8:43 am
#155
Join Date: Feb 2009
Location: SEA
Programs: Alaska MVPG 100K, IHG Ambassador, Hilton Diamond, Hyatt Globalist, Marriott Titanium
Posts: 1,704
Card Issuer: American Express
Card Type: Platinum
City and State: Seattle, WA
Approx Inquiry: 8/29/2015
Credit Agency: Experian
Result: Approved (need to call in to provide one-time PIN due to credit report freeze)
Card Type: Platinum
City and State: Seattle, WA
Approx Inquiry: 8/29/2015
Credit Agency: Experian
Result: Approved (need to call in to provide one-time PIN due to credit report freeze)
Sep 11, 2016, 3:24 pm
#162
Join Date: May 2001
Location: pdx
Posts: 860
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.
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.