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Nov 30, 2010, 2:26 pm

#46

Middle_Seat

Join Date: Apr 2001

Location: Austin

Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG

Posts: 3,485

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.

Nov 30, 2010, 2:41 pm

#47

jbcarioca

Join Date: Jan 2008

Location: Rio de Janeiro, Miami, Nice

Programs: Marriott Titanium, AA Concierge Key, Delta, United, Emorates, and others

Posts: 4,694

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.

Nov 30, 2010, 3:19 pm

#48

Middle_Seat

Join Date: Apr 2001

Location: Austin

Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG

Posts: 3,485

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.

Dec 16, 2010, 8:10 am

#49

Brian_D

Join Date: Sep 2008

Programs: AA EXP

Posts: 57

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

Dec 28, 2010, 2:39 pm

#50

jschoi

Join Date: Nov 2009

Location: SFO

Programs: UA 1K

Posts: 114

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

Feb 24, 2011, 4:48 pm

#51

TennisPro

Join Date: Jan 2011

Programs: Amex Platinum, SPG Gold, Priority Club Gold, Emerald Club Executive

Posts: 226

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.

Mar 4, 2011, 3:41 pm

#52

iamthehpt

Join Date: Dec 2007

Location: DFW

Programs: AA Lifetime Platinum, Hyatt Plat Hilton Gold, SPG Gold, Club Carl Gold, IHG Plat

Posts: 1,002

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

May 1, 2011, 8:17 pm

#53

AndreaRH

Join Date: Oct 2007

Location: EWR

Programs: AA Lifetime Gold, HH Diamond, IC Ambassador, SPG Gold

Posts: 224

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

May 4, 2011, 12:28 pm

#54

RDY3238

Join Date: May 2001

Location: pdx

Posts: 860

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)

May 10, 2011, 1:19 pm

#55

gozetta

Join Date: Aug 2006

Programs: Hyatt Diamond, SPG LT Plat, AA 3MM EXP

Posts: 397

Quote:

Originally Posted by Happy

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...

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.

Jun 21, 2011, 11:55 am

#56

mia

Moderator

Join Date: Jun 2003

Location: Miami, Mpls & London

Programs: AA & Marriott Perpetual Platinum; DL & HH Gold

Posts: 48,958

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

Jun 22, 2011, 11:54 am

#57

skofarrell

FlyerTalk Evangelist

Join Date: Aug 2001

Programs: DL GM, AA Gold, Hilton Diamond, Bonvoy Plat

Posts: 12,171

Quote:

Originally Posted by Happy

No. Only Barclays has done this to me. It first pulled TransUnion and then pulled EQ again. That was 2 years ago.

Citi used to pull EQ but switched to EX since Nov of 2008.

BofA and AMEX always pull EX.

Chase always pulls EQ.

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).

Jun 24, 2011, 12:58 pm

#58

InBur

Join Date: Oct 2010

Posts: 27

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.

Jul 5, 2011, 3:08 pm

#59

hqly2001

Join Date: Mar 2011

Posts: 1,171

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.