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-   -   Credit Pulls Database (https://www.flyertalk.com/forum/credit-card-programs/1138806-credit-pulls-database.html)

ingy Oct 20, 10 1:56 pm

Credit Pulls Database
 
Serious Card churners benefit from having an idea which credit reporting agency will probably pull the credit for a given card application. Example: a Chase Hyatt card from a South Carolina address was pulled by Equifax in September 2010

Here is the suggested format:

Card Issuer: First USA Chase
Card Type: Chase Hyatt card
City and State: Hilton Head Island, SC
Approx Inquiry: Date 9/19/10
Credit Agency: Equifax

Optional Info:
Credit Score: 825 VantageScore Scale the other scale is FICO
Result: Approved

ingy Oct 20, 10 2:00 pm

Amex SPG Personal And Business two cards
 
Card Issuer :American Express
Card Type: SPG Personal and SPG Business
City and State: Hilton Head Island, SC
Date of Inquiries: 7/21/10 and 7/29/10
Credit Agency: Experian and Experian

Optional Info

Credit Score: 843 843 VantageScore scale
Approved Approved

ingy Oct 20, 10 2:02 pm

Amex Premier Rewards Travel Card
 
American Express
Premier Rewards Travel Card
Hilton Head Island, SC
4/26/10
Experian

Credit score over 800 on Vantage Score Scale
Approved

ingy Oct 20, 10 2:04 pm

Chase Sapphire Preferred Card
 
Chase First USA Bank
Chase Sapphire Preferred Card
Hilton Head Island, SC
7/20/10
Equifax

Credit Score Over 800 VS scale
approved

philemer Oct 20, 10 3:11 pm

Isn't there a large database/link on FatWallet that helps you find out this info? I remember seeing it a couple years ago. Or I'm just senile. :) Thanks, ingy.

johndeere19 Oct 20, 10 6:09 pm

Great idea...where can we find information on what credit bureau pulled our credit?

QL_714 Oct 20, 10 6:13 pm

Will there be a searchable database like the one at CB?

gj83 Oct 20, 10 6:17 pm


Originally Posted by philemer (Post 14981866)
Isn't there a large database/link on FatWallet that helps you find out this info? I remember seeing it a couple years ago. Or I'm just senile. :) Thanks, ingy.

There's on at credit boards. dunno about FW


Originally Posted by johndeere19 (Post 14982864)
Great idea...where can we find information on what credit bureau pulled our credit?

From your credit report. Usually new credit cards will only pull 1 credit report so you'd see an inquiry from AMEX on 1 but not the other 2.

newhousejim Oct 20, 10 9:16 pm

Card Issuer :Barclays Bank Delaware
Card Type: US Airways Dividend Miles Mastercard
City and State: Dallas, TX
Date of Inquiries: 10/10/2010
Credit Agency: Equifax

QL_714 Oct 21, 10 5:55 am

Is this the place to discuss other things related to an inquire? Like putting a freeze to get a different CR pulled? How to get an inquire removed or bumped?

NYC101 Oct 21, 10 6:43 am

All of my Citi/Chase/Amex Card applications in the past 2 years hit Experian. As a result, I have ALOT of inquiries with Experian, but almost nothing with TransUnion and Equifax. This is very frustrating as most of the good offers come from Citi/Chase, and I can't get in no more. Anyone in the NYC area know who pulls from TransUnion and Equifax?

Card Issuer: Chase & Citi
Card Type: Continental One Pass Plus & Citi AA Visa
City and State: Queens, NY
Approx Inquiry Date 9/30/2010
Credit Agency: Experian

Optional Info:
Credit Score: 760+ (MyFico.com)
Result: All Rejected due to "Too many inquiries..."
P.S: Sent in reconsideration letters, have yet to hear anything back.

gohan403 Oct 21, 10 6:44 am

Does all these pulls ruin your credit

tassojunior Oct 21, 10 6:53 am

Issuer: CitiBank
Cards: Advantage Visa, AmEx, and Business Visa
Date: May 7, 2010
Location: Washington, DC
Credit Report: Experian
Score (Credit Karma): 770
Neighbors who have gotten these cards recently have all also had Experian reports.

CathyJune Oct 21, 10 7:20 am


Originally Posted by NYC101 (Post 14985247)
All of my Citi/Chase/Amex Card applications in the past 2 years hit Experian. As a result, I have ALOT of inquiries with Experian, but almost nothing with TransUnion and Equifax. This is very frustrating as most of the good offers come from Citi/Chase, and I can't get in no more. Anyone in the NYC area know who pulls from TransUnion and Equifax?

Card Issuer: Chase & Citi
Card Type: Continental One Pass Plus & Citi AA Visa
City and State: Queens, NY
Approx Inquiry Date 9/30/2010
Credit Agency: Experian

Optional Info:
Credit Score: 760+ (MyFico.com)
Result: All Rejected due to "Too many inquiries..."
P.S: Sent in reconsideration letters, have yet to hear anything back.

Citi AAdvantage pulls Transunion in California. Freeze Experian and see if they pull the other bureaus. Since Citi pulls TU in Calif, freezing Experian may work.

CathyJune Oct 21, 10 7:23 am

Card: Citibank AAdvantage Personal Visa, AMEX
Date: Early August 2010
Bureau: Transunion
Approved. FICO approx 720-730 range.
Location: Southern California


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