Card Issuer: Chase
Card Type: Hyatt Visa Signature
City and State: Austin, TX
Approx Inquiry Date: 11/20/10
Credit Agency: Experian

Credit Score: 770+, but "We don't care what it is."
Result: Denied, due to "too many recent requests for credit or reviews of your credit" (4 mortgage & 7 bank inquiries) in the last year.

Most issuers have a limit of 6 requested pulls within any 12 month period, although there are variations. The bureau of preference makes little difference because many scoring models include non-replicated pulls between all three bureaus.

the message is simple. Ask for credit only when you really want it. Do not shop via requests for credit.

Mostly acceptances, a few denials of the following:

Card Issuer: Citibank
Card Type: AA Amex
City and State: Austin, TX
Approx Inquiry Date: 11/2010
Credit Agency: Experian
===
Card Issuer: Amex
Card Type: DL Amex
City and State: Austin, TX
Approx Inquiry Date: 5/2010
Credit Agency: Experian
===
Card Issuer: Amex
Card Type: Amex Mileage Rewards
City and State: Austin, TX
Approx Inquiry Date: 4/2010
Credit Agency: Experian
===
Card Issuer: Chase First USA
Card Type: CO MC
City and State: Austin, TX
Approx Inquiry Date: 3/2010
Credit Agency: Experian
===
Card Issuer: Citibank
Card Type: AA Visa
City and State: Austin, TX
Approx Inquiry Date: 2/2010
Credit Agency: Experian
===
Card Issuer: BOA
Card Type: Amex
City and State: Austin, TX
Approx Inquiry Date: 12/2009
Credit Agency: Experian
===
Card Issuer: Chase First USA
Card Type: British Air Visa
City and State: Austin, TX
Approx Inquiry Date: 11/2009
Credit Agency: Experian
===
Card Issuer: Citibank
Card Type: AA MC
City and State: Austin, TX
Approx Inquiry Date: 11/2009
Credit Agency: Experian
===
Card Issuer: Citibank
Card Type: Visa AA & MC AA
City and State: Austin, TX
Approx Inquiry Date: 9/2009
Credit Agency: Experian
===

This information was easy to extract from my free credit report.

I have seen nothing but Experian all year.

Card Issuer: Citibank, AMEX, Chase
Card Type: various
City and State: Dallas, TX
Approx Inquiry Date: Throughout 2010 (15 inquiries)
Credit Agency: Experian

Card Issuer: First USA Chase
Card Type: Chase Hyatt card
City and State: Chicago, IL
Approx Inquiry: Date 12/11/10
Credit Agency: TransUnion

Card Issuer: Amex
Card Type: SPG
City and State: Pueblo, CO
Approx Inquiry: Date 01/10/11
Credit Agency: Experian

It definitely seems that Amex pulls Experian in most places. Chase & Citi also pulled Experian on my apps this year. USAA & NFCU pulled Equifax on my apps last year, and I think most credit unions pull Equifax.

Card Issuer: Barclays
Card Type: US Airways Mastercard
City and State: Dallas, TX
Approx. Inquiry: 2/11
Credit Agency: TransUnion

Card Issuer: Chase
Card Type: Chase Mileage Plus United Visa Signature
Location: Bergen County, NJ
Approx Inquiry: = January 2011
Credit Agency: Experian
Result: Approved

-------------------------------------

Card Issuer: Chase
Card Type: Chase Priority Club Rewards Visa Signature
Location: Bergen County, NJ
Approx Inquiry: = September 2010
Credit Agency: Experian
Result: Approved

-------------------------------------

Card Issuer: Citibank
Card Type: CitiBusiness AAdvantage
Location: Bergen County, NJ
Approx Inquiry: = July 2010
Credit Agency: Equifax
Result: Approved

-------------------------------------

Card Issuer: Chase
Card Type: Chase British Airways Visa Signature
Location: Bergen County, NJ
Approx Inquiry: = November 2009
Credit Agency: Experian
Result: Approved

Card Issuer: Chase
Card Type: British Airways Visa Signature
Location: Portland OR
Inquiry date: May 2011
Credit Agency: Experian
Result: Approved

(Chase hard pull CRA's at random, although Experian seems to be favorite for Western states. I have a security freeze on all CRA's so I temporarily unfroze Experian only, applied online, then called Chase and told them what to pull.
They had a little trouble with the concept but it all worked out)

Actually this is not true. Applying for the older (no longer available) Schwab Invest First Visa 2% cash back card, one of my bureaus was frozen and a lady called and informed me that they were going to pull from another one because of that. They were able to recognize the freeze and work around it. I had left one bureau "unfrozen" since they did not offer an on-line freeze. They now do. Of course, not all issuers will be this thorough.

Moderator action
 

A half dozen posts discussing where to purchase credit scores prior to submitting a new application have been relocated to a thread on that topic:

http://www.flyertalk.com/forum/other...-3-scores.html

Go the credit pulls database on creditboards.com for a more robust dataset than what is contained on this thread (you'll need to register to gain access).

Card Issuer: BOA
Card Type: Alaska Visa Sig
City and State: Boston, MA
Approx Inquiry Date: 6/2011
Credit Agency: Experian

Credit Score: 780+

Denied due to too many inquiries. Called in for reconsideration and succeeded.

Credit Pulls for Experian
 

I've heard that only Citi and AmEX pull from Experian and Chase pulls from one of the other two? I checked my credit report with Experian and only Citi and AMEX pulls showed. However, I checked the pulls for my wife and all of the pulls including 3 for Chase also showed up on her Experian report.

We applied for the same credit cards lately but Chase pulled from various reports. So I guess Chase jumps around in respect to which company it pulls as well.

"Who" pulls "what" depends, in many cases, on where you live. Check www.creditboards.com for more info. They have a forum with info on this.