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Card Issuer: Barclays
Card Type: US Airways City and State: Southern California Approx Inquiry Date: 10/15/10 Credit Agency: Equifax Credit Score: 735 Result: Rejected due to too many recent inquiries.
Originally Posted by chespeak2002
(Post 15041114)
I'm in northern California.
For Barclays, 10/19 applied for US Airways Business($79 annual fee one), pulled all 3 (EQ, EX and TU) on me! Approved after calling credit department (initially declined due to having a Biz card before). Thank you. |
Originally Posted by kapmap
(Post 15065629)
I applied for the Citi AA card for the 75,000 miles. Where I am they pull Equifax. Since I had a credit freeze with all the agencies; I tried to unfreeze it. First time doing that and what an issue -- it would not unfreeze over the phone or internet so I had to write in. They told me 4 days after they had unfrozen it and refroze it that they had unfrozen it. They I wrote in for them to unfreeze it entirely and received the form letter telling me to send them everything I had already sent them. With all the issues I tried unfreezing the other two over the internet with no problems. Asked if Citi would use one of the others and they told me no.
I finally found a phone number and talked with someone who unfroze it and I did get the card -- but it appears they choose which agency to work with and will not change. Unless one is paranoid about ID theft, freezing the credit report for no particular reason creates far more trouble than its worth. Banks dont pull a different agency's report when the one they pull is not available due to being frozen. It is a Fool's game to think about freezing an agency's report would "force" the bank to pull a different agency's report... Think about it for a second, it is YOU who ask the bank to extend credit, not the bank to Solicit you for extend credit. Why would the bank do something extra that would be out of their normal operational procedure? |
Originally Posted by Happy
(Post 15067195)
Exactly.
Unless one is paranoid about ID theft, freezing the credit report for no particular reason creates far more trouble than its worth. Banks don't pull a different agency's report when the one they pull is not available due to being frozen. It is a Fool's game to think about freezing an agency's report would "force" the bank to pull a different agency's report... Think about it for a second, it is YOU who ask the bank to extend credit, not the bank to Solicit you for extend credit. Why would the bank do something extra that would be out of their normal operational procedure? However, I have a consumer freeze on all 3 CRA's. Why wouldn't you do this? It's the best safeguard known to man at this time, and free in many states. I had two insurance co's mishandle my personal data in the last 5 yrs. I sued them both. I applied for the AA 75K Citi Visa. Called Citi and asked them what CRA they pull. Unfroze Equifax for 3 days over the phone and paid the $10 fee. (CRA's give you a dedicated freeze hotline number) Told Citi they had 3 days to pull credit. Got approved and the freeze auto reinstated. Simple. Card Issuer: Citi Card Type: AA 75k offer City and State: Oregon Approx Inquiry Date: 9.20.10 Credit Agency: Equifax Credit Score: Won't pay for that, but above 720 and that's all that matters. |
This represents a total of 12+ New Inquiries between 7/09 and 10/10. All were Experian pulls in Northern California.
Card Issuer: Chase Card Type: Sapphire, BA Visa, UA Visa, Continental OnePlus City and State: SFO Bay Area, Northern California Approx Inquiry Date: 7/09, 2/10, 4/10, 9/10 Credit Agency: All Experian Card Issuer: Citi Card Type: AAdvantage MC (2) & Amex, Biz Visa, State: SFO Bay Area, Northern California Approx Inquiry Date: 8/09, 11/09, 10/10, Credit Agency: All Experian Card Issuer: Amex Card Type: SPG (2), SPG Biz, Premier Rewards (2) State: SFO Bay Area, Northern California Approx Inquiry Date: 7/09, 7/10, 8/10, 4/10, 9/10 Credit Agency: All Experian Card Issuer: FIA CSNA Card Type: Schwab Visa State: SFO Bay Area, Northern California Approx Inquiry Date: 12/09 Credit Agency: Experian |
Living in Northern California too,
Card Issuer: Amex Card Type: SPG City and State: SFO Bay Area, Northern California Approx Inquiry Date: 4/10 Credit Agency: Experian Card Issuer: Chase Card Type: UA Visa City and State: SFO Bay Area, Northern California Approx Inquiry Date: 5/10 Credit Agency: Equifax, Transunion(for reconsideration) Card Issuer: Boa Card Type: Asiana Amex City and State: SFO Bay Area, Northern California Approx Inquiry Date: 5/10 Credit Agency: Transunion, Experian(for reconsideration) Card Issuer: Citi Card Type: AA Visa(Approved)/ Amex(rejected) City and State: SFO Bay Area, Northern California Approx Inquiry Date: 10/10 Credit Agency: Experian Credit Score: I applied these cards when my Fico score hit over 720. |
Citibank
AAdvantage Visa Business Cleveland Sept, 2010 Experian |
Card Issuer: Citi
Card Type: Amex AAdvantage City and State: Austin, TX Approx Inquiry Date: 11/11/10 Credit Agency: Experian Result: Denied (due to many previous and present Citi AA cards) |
Live in So. California. Have, in the past couple of years, applied for Citi (personal and business), AMEX (personal and business), and Chase cards. ALL have been Experian pulls.
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Darned if I can figure out a pattern that helps me. I've had several Citi and Amex pulls in the last two years. All went to either Experian or Equifax. I live in Florida. Trying to see what I can apply for that would use Transunion but only in parts of CA does Transunion seem to be used regularly by any credit card company. Anyone see any CC company that would use Transunion on FL applications?
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Card Issuer: Citi
Card Type: Amex AAdvantage Bus City and State: Norfolk, Virginia Approx Inquiry Date: Oct 2010 Credit Agency: Experian |
Card Issuer: Amex
Card Type: SPG Bus City and State: Norfolk, Virginia Approx Inquiry Date: July 2010 Credit Agency: Experian |
Originally Posted by upgrader
(Post 15213693)
Darned if I can figure out a pattern that helps me. I've had several Citi and Amex pulls in the last two years. All went to either Experian or Equifax. I live in Florida. Trying to see what I can apply for that would use Transunion but only in parts of CA does Transunion seem to be used regularly by any credit card company. Anyone see any CC company that would use Transunion on FL applications?
Citi used to pull EQ but switched to EX since Nov of 2008. BofA and AMEX always pull EX. Chase always pulls EQ. |
Originally Posted by tjguitar85
(Post 15019995)
I'm in Southern California
I had the following: Transunion: Citibank (Citi Forward) 3/10 and 5/10..I applied twice, the first time I didn't send in the requested information to "prove my identity" or whatever. Equifax: Fort Knox Credit Union (declined...no notice) 5/10 Pentagon Federal Credit Union 3/10 (Pen Fed Platinum Rewards Visa) Experian: FIA Card Services 3/10 (Fideltiy Amex) First USA (Chase?) 9/09 (Chase Freedom, done in-branch) Penfed Amex approved me for 5k also in 11/10. Not sure who they pulled, probably Equifax. |
"Citi used to pull EQ but switched to EX since Nov of 2008."
Alas, even the above from Happy doesn't always seem to be the case for those of us in FL. I have four pulls from Citi in 2009 and 2010 and all were from Equifax. |
Originally Posted by skofarrell
(Post 15019215)
Its silly to replicate here what is already in place (and a lot more extensive) on creditboards.
http://creditboards.com/forums/index...pp=creditpulls |
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