Credit Pulls Database
Sep 4, 2011, 9:23 pm
#76
Join Date: Jan 2011
Programs: Amex Platinum, SPG Gold, Priority Club Gold, Emerald Club Executive
Posts: 226
I checked the last of the three major credit bureaus today, checked a few months apart. Capital One (for the Venture Card 100k points match) hit me on Experian, Equifax and Transunion. 
No other credit card I have applied hit me on two or three, only one hit per credit card.
Does anyone know what reporting agency do they use for the following:
- Amex Plat
- Barclays US Airways card
- Chase Sapphire Preferred
No other credit card I have applied hit me on two or three, only one hit per credit card. Does anyone know what reporting agency do they use for the following:
- Amex Plat
- Barclays US Airways card
- Chase Sapphire Preferred
Yep, Capital One is known to hit all three.
As for the others:
- Amex Plat (Experian)
- Barclay's US Airways (TransUnion)
- Chase Sapphire Preferred (Experian)
This varies by region, but the above are valid for Colorado, based on personal experience, and other regions too, from what I have read.
Sep 5, 2011, 5:56 pm
#79
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
Yep, Capital One is known to hit all three.
As for the others:
- Amex Plat (Experian)
- Barclay's US Airways (TransUnion)
- Chase Sapphire Preferred (Experian)
This varies by region, but the above are valid for Colorado, based on personal experience, and other regions too, from what I have read.
As for the others:
- Amex Plat (Experian)
- Barclay's US Airways (TransUnion)
- Chase Sapphire Preferred (Experian)
This varies by region, but the above are valid for Colorado, based on personal experience, and other regions too, from what I have read.
Chase used to pull Equifax here but all inquiries in 2011 have been Experian
Same for Citibank and Amex - all Experian
Barclays are only ones to have pulled TU and nobody using EQ any more it seems
Oct 8, 2011, 11:48 am
#80
Join Date: Feb 2011
Posts: 8
Credit Card Inquiries
Sorry not sure if this is the right forum but how can you tell if multiple inquiries to your credit report got merged?
For example on Equifax:
Company Information:
CHASE BANK USA N.A Date of Inquiry:09/01/11, 07/13/11, 04/18/11, 12/17/10
is all on one line. Does that mean that's one inquiry or multiple?
For example on Equifax:
Company Information:
CHASE BANK USA N.A Date of Inquiry:09/01/11, 07/13/11, 04/18/11, 12/17/10
is all on one line. Does that mean that's one inquiry or multiple?
Oct 8, 2011, 10:01 pm
#81
Join Date: Jan 2010
Posts: 1,708
Sorry not sure if this is the right forum but how can you tell if multiple inquiries to your credit report got merged?
For example on Equifax:
Company Information:
CHASE BANK USA N.A Date of Inquiry:09/01/11, 07/13/11, 04/18/11, 12/17/10
is all on one line. Does that mean that's one inquiry or multiple?
For example on Equifax:
Company Information:
CHASE BANK USA N.A Date of Inquiry:09/01/11, 07/13/11, 04/18/11, 12/17/10
is all on one line. Does that mean that's one inquiry or multiple?
Nov 15, 2011, 10:36 pm
#83
Join Date: Sep 2008
Programs: UA 1P
Posts: 320
Which credit agency for Barclaycard
Hey all,
I'm considering applying for Barcleycard's (US) Miles&More credit card. Does anyone know which bureau they use? Asking because my score is not as good with one of them, so I'm hoping that they use one of the others
I'm considering applying for Barcleycard's (US) Miles&More credit card. Does anyone know which bureau they use? Asking because my score is not as good with one of them, so I'm hoping that they use one of the others
Nov 21, 2011, 2:46 pm
#86
Join Date: Jan 2011
Programs: Amex Platinum, SPG Gold, Priority Club Gold, Emerald Club Executive
Posts: 226
Nov 22, 2011, 7:26 am
#87
Join Date: Dec 2009
Location: Chicago, IL
Programs: UA 1P, AA Gold, Hyatt Platinum, Marriott Platinum
Posts: 89
Nov 30, 2011, 9:04 pm
#88
Join Date: Apr 2011
Posts: 171
Dec 9, 2011, 6:18 pm
#89
Join Date: Jan 2011
Programs: SPG GOLD
Posts: 217
Card Issuer: SallieMae Visa Signature
City and State: Los Angeles, CA
Inquiry Date 11/2/11
Credit Agency: Transunion
Result: Approved
Card Issuer: Chase Sapphire
City and State: Los Angeles, CA
Inquiry Date 12/2/11
Credit Agency: Experian
Result: Approved
Card Issuer: Chase Freedom
City and State: Los Angeles, CA
Inquiry Date 12/2/11
Credit Agency: Experian
Result: Pending (probably denied)
Card Issuer: Citi ThankYou (Preferred)
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Approved
Card Issuer: Citi ThankYou Premier
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Denied (too many inquiries)
Card Issuer: Citi Dividend MasterCard
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Denied (too many inquiries)
I only have access to TransUnion via CreditKarma and Experian through CreditSelect - free if you have AAA subscription.
Called two different numbers for CitiBank (customer service, and account analyst 866-606-2787 via DansDeals, but they said nothing could be done. I was explained that as soon as the inquiry comes back as too many inquiries, the application is closed and denied. Perhaps if it was another reason, they could have done something more for me?
City and State: Los Angeles, CA
Inquiry Date 11/2/11
Credit Agency: Transunion
Result: Approved
Card Issuer: Chase Sapphire
City and State: Los Angeles, CA
Inquiry Date 12/2/11
Credit Agency: Experian
Result: Approved
Card Issuer: Chase Freedom
City and State: Los Angeles, CA
Inquiry Date 12/2/11
Credit Agency: Experian
Result: Pending (probably denied)
Card Issuer: Citi ThankYou (Preferred)
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Approved
Card Issuer: Citi ThankYou Premier
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Denied (too many inquiries)
Card Issuer: Citi Dividend MasterCard
City and State: Los Angeles, CA
Inquiry Date 12/5/11
Credit Agency: TransUnion
Result: Denied (too many inquiries)
I only have access to TransUnion via CreditKarma and Experian through CreditSelect - free if you have AAA subscription.
Called two different numbers for CitiBank (customer service, and account analyst 866-606-2787 via DansDeals, but they said nothing could be done. I was explained that as soon as the inquiry comes back as too many inquiries, the application is closed and denied. Perhaps if it was another reason, they could have done something more for me?
Last edited by sunk818; Dec 9, 2011 at 6:46 pm
Dec 9, 2011, 6:50 pm
#90
Join Date: Dec 2010
Posts: 1,516
In 2010, Barclays used to pull a TransUnion in Florida, but currently they started to pull Experian in addition. Our 3 applications for US Airways MC were recorded in both Experian and TransUnion.
Another datapoint is that Citibank pulls 2 credit reports if applying for 2 cards simultaneously. I applied for ThankYou Premier card and for Hilton Visa, both were approved instantly, but there are 2 records on my Equifax report on the same day. Last year, for 2 Citi AA cards, there were only one pull.
Another datapoint is that Citibank pulls 2 credit reports if applying for 2 cards simultaneously. I applied for ThankYou Premier card and for Hilton Visa, both were approved instantly, but there are 2 records on my Equifax report on the same day. Last year, for 2 Citi AA cards, there were only one pull.