Credit Pulls Database
Oct 20, 10, 2:56 pm
#1
formerly known as Frugal Travel Guy
Original Poster
Join Date: Jul 2001
Location: Greenville, SC
Programs: UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,925
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
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
Oct 20, 10, 3:00 pm
#2
formerly known as Frugal Travel Guy
Original Poster
Join Date: Jul 2001
Location: Greenville, SC
Programs: UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,925
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
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
Oct 20, 10, 3:02 pm
#3
formerly known as Frugal Travel Guy
Original Poster
Join Date: Jul 2001
Location: Greenville, SC
Programs: UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,925
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
Premier Rewards Travel Card
Hilton Head Island, SC
4/26/10
Experian
Credit score over 800 on Vantage Score Scale
Approved
Oct 20, 10, 3:04 pm
#4
formerly known as Frugal Travel Guy
Original Poster
Join Date: Jul 2001
Location: Greenville, SC
Programs: UA Gold, HH Gold, SPG Gold, Marriott Silver, Hyatt Platinum
Posts: 1,925
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
Chase Sapphire Preferred Card
Hilton Head Island, SC
7/20/10
Equifax
Credit Score Over 800 VS scale
approved
Thanks, ingy.
Oct 20, 10, 7:17 pm
#8
Join Date: Aug 2006
Location: CLT
Posts: 7,249
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.
Oct 21, 10, 7:43 am
#11
Join Date: Feb 2009
Location: NYC
Posts: 195
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.
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.
Oct 21, 10, 7:53 am
#13
Join Date: May 2010
Location: WAS
Programs: Lotz
Posts: 1,529
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.
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.
Oct 21, 10, 8:20 am
#14
Join Date: Jul 2008
Posts: 41
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.
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.
