Credit Pulls Database
#31
Join Date: Sep 2007
Location: SNA/LAX
Programs: Hertz PC, Hilton DMD, IHG Spire Amb, Bonvoy Titanium Elite & WoH Globalist
Posts: 8,076
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.
Can you please provide Barclays' credit department number?
Thank you.
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.
Thank you.
#32
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
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.
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?
#33
Join Date: May 2001
Location: pdx
Posts: 860
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?
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.
#34
Join Date: Sep 2009
Location: SFO, OAK
Programs: AA, BA, WN CP, CO, AK, LH, DL, UA, VS, SPG, IHG, Hyatt, Hilton, Carlson, Fairmont Lifetime Plat
Posts: 106
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
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
#35
Join Date: Apr 2010
Location: ORD
Programs: Hyatt Diamond,IHG Platinum, HH Gold, OZ Diamond (*G), AA Plat, AS MVP Gold
Posts: 85
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.
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.
#37
Join Date: Apr 2001
Location: Austin
Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG
Posts: 3,485
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)
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)
#38
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
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.
#39
Join Date: Dec 2001
Location: Orlando, FL, USA
Posts: 2,398
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?
#40
Join Date: Feb 2008
Location: CHS
Programs: Delta, AA, BA, United, Hyatt Globalist, Hilton Honors Diamond, SPG Marriott Gold, Sixt Platinum
Posts: 1,142
Card Issuer: Citi
Card Type: Amex AAdvantage Bus
City and State: Norfolk, Virginia
Approx Inquiry Date: Oct 2010
Credit Agency: Experian
Card Type: Amex AAdvantage Bus
City and State: Norfolk, Virginia
Approx Inquiry Date: Oct 2010
Credit Agency: Experian
#41
Join Date: Feb 2008
Location: CHS
Programs: Delta, AA, BA, United, Hyatt Globalist, Hilton Honors Diamond, SPG Marriott Gold, Sixt Platinum
Posts: 1,142
Card Issuer: Amex
Card Type: SPG Bus
City and State: Norfolk, Virginia
Approx Inquiry Date: July 2010
Credit Agency: Experian
Card Type: SPG Bus
City and State: Norfolk, Virginia
Approx Inquiry Date: July 2010
Credit Agency: Experian
#42
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
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.
#43
Join Date: May 2010
Posts: 189
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)
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.
#44
Join Date: Dec 2001
Location: Orlando, FL, USA
Posts: 2,398
"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.
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.
#45
Join Date: Sep 2010
Location: Phoenix, AZ
Programs: Starwood, Delta, American Airlines, USA, United
Posts: 223
Its silly to replicate here what is already in place (and a lot more extensive) on creditboards.
http://creditboards.com/forums/index...pp=creditpulls
http://creditboards.com/forums/index...pp=creditpulls