US Bank
 

Has anyone ever had a pull from U.S. Bank? If so, where did they pull from?

In Colorado, they pulled Equifax on me.

my pulls recap

Honolulu Hawaii

transunion

1.capitol one-2011--pulled all 3
2. discover-(2011)
3. citi aa 2011??

equifax
1. capitol one-2011

experian:
1. amex-delta gold-2010
2. chase--continental-2011
3. chase--united 2011
4. capitol one-2011
5. amex gold prg--2011
6. amex business 2011
7. CHASE MARRIOT 2011

Card Issuer: American Express
Card: Delta Platinum
City and State: Newport, KY
Inquiry Date 9/1/2011
Credit Agency: Experian
Result: Approved Instantly

Card Issuer: Chase
Card: Priority Club Select Visa Signature
City and State: Newport, KY
Inquiry Date 1/24/2012
Credit Agency: Equifax
Result: Approved Instantly

Card Issuer: Barclays
Card: US Airways Premier World MC
City and State: Newport, KY
Inquiry Date 2/1/2012
Credit Agency: Transunion
Result: Approved Instantly

I read an article today on an airmiles blog where she spoke about it being important to know which credit bureau the cards you are applying for pulls from and as I recently got a new BofA and Chase card (and it seems they both pulled from the same credit bureau as when I spoke to the Chase rep on the phone she knew I had gotten a BofA card 2 months ago) I want to know this as I'd like to try and get more signup airmiles bonuses. In reading this thread I see it depends on the state you reside in.

Does anyone know whether Citibank or Amex (seems they have the best airmiles offers) also pull from that same bureau as BofA and Chase do in Seattle (Washington State)?

.

You can check your credit reports with a free service, or use your free annual credit report, to verify which bureau BofA and Chase pulled. It looks like it varies for Seattle.

Amex generally pulls Experian in Seattle.

It looks like Citibank most often pulls TransUnion in Seattle, which will be good for you, since TransUnion is the hardest to find issuers that pull (only Barclay's pulls TransUnion in many areas).

Thanks for that info. In checking further I see BofA pulled from Experian for
my application (so it seems Chase did too).

As I'm new to all this I wonder/ask how long I should wait then to apply for a Amex as they seem to also use Experian?

You would most likely get approved today for an Amex card, even with 2 other recent Experian pulls.

There is currently a 50K offer for the Amex Platinum.

Based on your approvals by BofA and Chase, I would say your chances are high of getting approved for the Amex Platinum. And if you are not approved, your application will generally sign you up to receive pre-approved offers in the future from Amex.

Best of luck!

P.S. I have found "Million Mile Secrets" blog to be a very useful resource for finding the best credit card signup bonus offers, and other helpful info. Just google it. There is a page dedicated to current best credit card bonus offers. Unlike some other bloggers, he let's you know the current best deals, not just the deals that generate the best commission for him.

I'm based in Texas near Dallas, and Experian is pulled almost exclusively, it's getting very irritating!


Card Issuer: American Express
Card: Platinum Charge Card
City and State: Dallas, TX
Inquiry Date 10/1/2011
Credit Agency: Experian
Result: Approved Instantly

Card Issuer: Chase
Card: Sapphire Preferred
City and State: Dallas, TX
Inquiry Date 10/1/2011
Credit Agency: Experian
Result: Approved after call in, denied initially

Card Issuer: Chase
Card: Hyatt Card
City and State: Dallas, TX
Inquiry Date 03/28/2012
Credit Agency: Experian
Result: Approved after further review, not denied initially though

Since 12/2010 (as early as I can tell), my Chase applications (all 6 of them, last one was yesterday) have all resulted in pulls from BOTH Experian and Transunion. Happen to anyone else? With Amex pulling from Experian as well, my Experian inquiries count is up to a whopping 16!

Card Issuer: Chase
Card: Continental OnePass Plus
City and State: West Henrietta, NY
Inquiry Date: 12/10/2010
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE BANK NA)
Result: Pending, approved after call in

Card Issuer: Chase
Card: British Airways
City and State: West Henrietta, NY
Inquiry Date: 4/10/2011
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE BANK NA)
Result: Pending, approved after call in

Card Issuer: Chase
Card: Sapphire Preferred
City and State: West Henrietta, NY
Inquiry Dates: 6/7/2011 AND 6/10/2011
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE BANK NA), respectively
Result: Pending, approved after call in

Card Issuer: Chase
Card: Southwest Plus Personal
City and State: West Henrietta, NY
Inquiry Dates: 11/11/2011
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE BANK NA)
Result: Pending, approved after call in

Card Issuer: Chase
Card: Southwest Plus Business
City and State: West Henrietta, NY
Inquiry Dates: 11/16/2011
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE)
Result: Pending, denied after call in

Card Issuer: Chase
Card: Ink Bold Business
City and State: West Henrietta, NY
Inquiry Dates: 4/17/2012 and 4/18/2012
Credit Agency: Transunion (appears as CHASE) AND Experian (appears as CHASE BANK NA), respectively
Result: Pending, approved after call in

Yes I know I've submitted a lot of apps with Chase, but that's besides the point. Every time I apply I hope they will only pull one, but no. My gf's apps with address in another town/zip (an hour away, same state) only result in one pull for each app, however. Next time, I'm going to use her address and see what happens.

For what it's worth:
Card Issuer: AMEX
Card: Multiple (Personal and Business)
City and State: West Henrietta, NY
Inquiry Dates: Multiple
Credit Agency: Experian
Result: All instant approvals
Note: Pulls same day for personal and business merges

Card Issuer: Citi
Card: Multiple (Personal and Business)
City and State: West Henrietta, NY
Inquiry Dates: Multiple
Credit Agency: Equifax (Most cards show as CBNA, Hilton cards show as CITI)
Result: Eventual approvals on all
Note: Same day pulls from CBNA (ie, Premier) and CITI (ie, Hilton) will not merge, even though issuing bank are same

Card Issuer: Bank of America
Card: Multiple (Personal and Business)
City and State: West Henrietta, NY
Inquiry Dates: Multiple
Credit Agency: Experian for Personal (appears as BANK OF AMERICA); Transunion for Business (appears as BK OF AMER)
Result: Eventual approvals on all except one business card attempt

Card Issuer: Barclays
Card: US Airways
City and State: West Henrietta, NY
Inquiry Dates: 3/9/2011
Credit Agency: Transunion
Result: Denied because I am not citizen or permanent resident

FYI, West Henrietta, NY is near ROC, upstate NY

EDIT: Seems like the inquiries (two separate instances) for the Citi Hilton cards have changed from CITI to CBNA. But not merged with other CBNA inquiries on same date. Anyone know how I can request inquiries to be merged for same creditor on same date?

I use Transunion's TrueCredit service, by the way.

Card Issuer: Chase
Card: Ink Bold Business
City and State: Fairport, NY
Inquiry Date 5/2/2012
Credit Agency: TransUnion
Result: Approved after call in, shown as pending initially. Already have Sapphire Pref, Freedom.

Card Issuer: Chase
Card: Chase Freedom
City and State: SF Bay Area
Inquiry Date 4/2012
Credit Agency: ALL 3!!! TransUnion/Exquifax/Experian
Result: Approved after call in. Already have Sapphire Pref (1/2012, Experian) and Ink Bold (2/2012, Experian)

Card Issuer : Chase
Card : Chase Freedom
City and State: Los Angeles, CA
Inquiry date: 5/12
Credit Agency : Experian
Result: Called Reconsideration line within a hour for approval, closed one Credit card account and move CL to Freedom and another Chase Card.

Total Chase Cards- 6 personal and 1 Business

chase pull equifax in bay area!
 

During last four month I got 4 chase card and got 5 chase credit pulls. Three were from equifax, 1 from transunion and one from experian. Today I apply again for chase cards. They pull equifax again.

You seem surprised...Creditboard says the same thing and it's been a while..