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

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

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

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

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.

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

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

There's on at credit boards. dunno about FW

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.

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

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?

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.

Does all these pulls ruin your credit

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.

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.

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

Card: CitiAAdvantage Business Visa
Date: Oct 20, 2010.
Location: Southern California
Bureau: Transunion
FICO about 720. Declined due to 9.5 yr old C7 BK. My first decline in several years.

Created an online DB with Google Docs
 

Hi,

I thought a public spreadsheet version of this thread would be hugely valuable so I threw together one using Google. If you fill out the form here: https://spreadsheets.google.com/view...Tk9fNUs2VGc6MQ the data is copied to spreadsheet table which can be viewed in Excel format here: https://spreadsheets.google.com/pub?...=en&output=xls

Please copy the existing post data into it.

Enjoy!

Yes, hard pulls reduce your credit score.

Not necessarily true. I'm in SoCal and I've had three Citi AAdvantage apps in the last three months and all were Experian pulls. Might depend on where in California.

Also in SoCal and Citi pulled Experian for AA Mastercard in July of this year.

May I know how can I freeze Experian? Thanks.

......

http://www.experian.com/consumer/security_freeze.html

I think what you need to do/pay varies by state.

Its silly to replicate here what is already in place (and a lot more extensive) on creditboards.


http://creditboards.com/forums/index...pp=creditpulls

I'm in Southern California

I had the following:

Transunion:
Citibank (Citi Forward) 3/10 and 5/10..I applied twice, the first time I didn't send in the requested information to "prove my identity" or whatever.

Equifax:
Fort Knox Credit Union (declined...no notice) 5/10
Pentagon Federal Credit Union 3/10 (Pen Fed Platinum Rewards Visa)

Experian:
FIA Card Services 3/10 (Fideltiy Amex)
First USA (Chase?) 9/09 (Chase Freedom, done in-branch)

security freezes
 

Does this really work, will freezing Experian cause a creditor to pull from a different agency?

Any problems with doing this?

I have been seemingly barred from getting any more citi cards. I churned a billion of them up til last year. We will see if that changes ever.

But what really bothers me is that there are no true 'scores' anymore. I mean, we all seem to talk in terms of FICO, ie, "what's your score, mine's 778" but even Experian has changed the game with Vantage, and then there are all the online sites that interpolate scores. One can really never know what's real (without paying for it, which I simply will not do unless it's like $1)

That said, My Citi attempts are thru Experian.
I will post more data as other cards I have ordered come thru or not.

:)MM

I'm in northern California.

For AMEX: charge or credit cards, always pull Experian only
For Citi: always pull Equifax only
For Chase: recently Chase pulled both Equifax & Experian for my Continental and Southwest applications. They used to just pull Equifax.

For Barclays, 10/19 applied for US Airways Business($79 annual fee one), pulled all 3 (EQ, EX and TU) on me! Approved after calling credit department (initially declined due to having a Biz card before).

Orlando
 

Application made from my Florida address:

Citibank
AAdvantage Visa Signature card
Orlando, FL
Sept, 2010
Experian

doesn't work
 

I applied for the Citi AA card for the 75,000 miles. Where I am they pull Equifax. Since I had a credit freeze with all the agencies; I tried to unfreeze it. First time doing that and what an issue -- it would not unfreeze over the phone or internet so I had to write in. They told me 4 days after they had unfrozen it and refroze it that they had unfrozen it. They I wrote in for them to unfreeze it entirely and received the form letter telling me to send them everything I had already sent them. With all the issues I tried unfreezing the other two over the internet with no problems. Asked if Citi would use one of the others and they told me no.

I finally found a phone number and talked with someone who unfroze it and I did get the card -- but it appears they choose which agency to work with and will not change.

Card Issuer: Barclays
Card Type: US Airways
City and State: Southern California
Approx Inquiry Date: 10/15/10
Credit Agency: Equifax
Credit Score: 735
Result: Rejected due to too many recent inquiries.

Can you please provide Barclays' credit department number?

Thank you.

Exactly.

Unless one is paranoid about ID theft, freezing the credit report for no particular reason creates far more trouble than its worth.

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... Think about it for a second, it is YOU who ask the bank to extend credit, not the bank to Solicit you for extend credit. Why would the bank do something extra that would be out of their normal operational procedure?

The above is correct.

However, I have a consumer freeze on all 3 CRA's. Why wouldn't you do this? It's the best safeguard known to man at this time, and free in many states.
I had two insurance co's mishandle my personal data in the last 5 yrs. I sued them both.

I applied for the AA 75K Citi Visa. Called Citi and asked them what CRA they pull. Unfroze Equifax for 3 days over the phone and paid the $10 fee. (CRA's give you a dedicated freeze hotline number)
Told Citi they had 3 days to pull credit. Got approved and the freeze auto reinstated.
Simple.

Card Issuer: Citi
Card Type: AA 75k offer
City and State: Oregon
Approx Inquiry Date: 9.20.10
Credit Agency: Equifax
Credit Score: Won't pay for that, but above 720 and that's all that matters.

This represents a total of 12+ New Inquiries between 7/09 and 10/10. All were Experian pulls in Northern California.


Card Issuer: Chase
Card Type: Sapphire, BA Visa, UA Visa, Continental OnePlus
City and State: SFO Bay Area, Northern California
Approx Inquiry Date: 7/09, 2/10, 4/10, 9/10
Credit Agency: All Experian


Card Issuer: Citi
Card Type: AAdvantage MC (2) & Amex, Biz Visa,
State: SFO Bay Area, Northern California
Approx Inquiry Date: 8/09, 11/09, 10/10,
Credit Agency: All Experian


Card Issuer: Amex
Card Type: SPG (2), SPG Biz, Premier Rewards (2)
State: SFO Bay Area, Northern California
Approx Inquiry Date: 7/09, 7/10, 8/10, 4/10, 9/10
Credit Agency: All Experian


Card Issuer: FIA CSNA
Card Type: Schwab Visa
State: SFO Bay Area, Northern California
Approx Inquiry Date: 12/09
Credit Agency: Experian

Living in Northern California too,

Card Issuer: Amex
Card Type: SPG
City and State: SFO Bay Area, Northern California
Approx Inquiry Date: 4/10
Credit Agency: Experian

Card Issuer: Chase
Card Type: UA Visa
City and State: SFO Bay Area, Northern California
Approx Inquiry Date: 5/10
Credit Agency: Equifax, Transunion(for reconsideration)

Card Issuer: Boa
Card Type: Asiana Amex
City and State: SFO Bay Area, Northern California
Approx Inquiry Date: 5/10
Credit Agency: Transunion, Experian(for reconsideration)

Card Issuer: Citi
Card Type: AA Visa(Approved)/ Amex(rejected)
City and State: SFO Bay Area, Northern California
Approx Inquiry Date: 10/10
Credit Agency: Experian

Credit Score: I applied these cards when my Fico score hit over 720.

Citibank
AAdvantage Visa Business
Cleveland
Sept, 2010
Experian

Card Issuer: Citi
Card Type: Amex AAdvantage
City and State: Austin, TX
Approx Inquiry Date: 11/11/10
Credit Agency: Experian

Result: Denied (due to many previous and present Citi AA cards)

Live in So. California. Have, in the past couple of years, applied for Citi (personal and business), AMEX (personal and business), and Chase cards. ALL have been Experian pulls.

Darned if I can figure out a pattern that helps me. I've had several Citi and Amex pulls in the last two years. All went to either Experian or Equifax. I live in Florida. Trying to see what I can apply for that would use Transunion but only in parts of CA does Transunion seem to be used regularly by any credit card company. Anyone see any CC company that would use Transunion on FL applications?

Card Issuer: Citi
Card Type: Amex AAdvantage Bus
City and State: Norfolk, Virginia
Approx Inquiry Date: Oct 2010
Credit Agency: Experian