Questions about credit inquiries (pulls)
Aug 15, 2012, 10:44 am
#32
Join Date: Jul 2011
Location: TX
Posts: 59
This. The 'ding' for an inquiry is immediate as everyone else is saying but you also can see negatives for recently opened accounts, number of accounts, and avg age of accounts. Obviously depending on how seasoned your report is these will influence everyone differently (positively or negatively).
Nov 10, 2012, 3:27 pm
#33
Suspended
Join Date: May 2012
Posts: 613
Too many Hard pulls for my recent App.
I recently applied for 2 BOA hawaain airlines card, 2 Citi Hilton card and 1 chase ink biz card. I just checked my credit report( citi identity monitor) and I am seeing just so many inquiries by all 3 bureaus.
I will list them below and please tell me if I got pulled more than once or more than one bureau for same card.
NOV 9: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
CHASE
Company Bureau ID:
3340 B 5165714
Address:
PO BOX 15298
WILMINGTON, DE 19850
Industry:
Banks
Telephone:
800-955-9900
Type:
NOV 9: Inquiries
Date reported:
11/2012
Reporting Agency:
Experian
Company:
BANK OF AMERICA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
Bank Cards
Telephone:
800-421-2110
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
CITIBANK NA
Company Bureau ID:
Address:
PO BOX 6142
SIOUX FALLS, SD 57117-6142
Industry:
Bank Cards
Telephone:
800-995-5114
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIRST USA,NA
Company Bureau ID:
Address:
PO BOX 15298
WILMINGTON, DE 19850-5298
Industry:
Bank Cards
Telephone:
800-955-9900
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIA CSNA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
All Banks
Telephone:
800-421-2110
Type:
Installment Inquiry
Nov 10th: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
FIA CSNA
Company Bureau ID:
1703 B 0009113
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Date reported:
Reporting Agency:
TransUnion
Company:
BK OF AMER
Company Bureau ID:
1703 B 0008730
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
I will list them below and please tell me if I got pulled more than once or more than one bureau for same card.
NOV 9: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
CHASE
Company Bureau ID:
3340 B 5165714
Address:
PO BOX 15298
WILMINGTON, DE 19850
Industry:
Banks
Telephone:
800-955-9900
Type:
NOV 9: Inquiries
Date reported:
11/2012
Reporting Agency:
Experian
Company:
BANK OF AMERICA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
Bank Cards
Telephone:
800-421-2110
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
CITIBANK NA
Company Bureau ID:
Address:
PO BOX 6142
SIOUX FALLS, SD 57117-6142
Industry:
Bank Cards
Telephone:
800-995-5114
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIRST USA,NA
Company Bureau ID:
Address:
PO BOX 15298
WILMINGTON, DE 19850-5298
Industry:
Bank Cards
Telephone:
800-955-9900
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIA CSNA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
All Banks
Telephone:
800-421-2110
Type:
Installment Inquiry
Nov 10th: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
FIA CSNA
Company Bureau ID:
1703 B 0009113
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Date reported:
Reporting Agency:
TransUnion
Company:
BK OF AMER
Company Bureau ID:
1703 B 0008730
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Nov 10, 2012, 4:04 pm
#35
Suspended
Join Date: May 2012
Posts: 613
you are saying I got hard pulled twice by chase and twice hard pulled by BOA?
Should I call both BOA and chase about these multiple pulls and have them remove the pulls?
It was only one chase card = INK PLUS
2 BOA cards+ BOA Hawaain and Bank of Hawai Hawaain- each with 35k miles offer.
2 OF THE SAME Citi Hilton cards.
So total of 5 but 4 are about the same card and applied all within 5 mins.
I had to shift some CL from my existing citi cards for the 2 new citi cards.
Same thing with BOA.
Nov 10, 2012, 4:49 pm
#36
Join Date: Sep 2006
Location: SFO
Programs: BA Avios, UA MP, AA, Choice, Club Carlson
Posts: 1,096
I believe it is within a Bank's discretion whether they pull one or all three. Besides who in the world could you find at these Megabanks to help you delete a credit pull when it was done legitimately - but albeit excessively?
Nov 10, 2012, 5:05 pm
#37
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,454
Don't really see anything wrong here. The pulls look like:
Chase INK: Chase on TU (Chase) and EX (First USA)
Hilton card x2: Citi once on EX
BoA Hawaiian: BoA on EX and TU
Bank of Hawaii: FIA on EX and TU
It's more pulls than typically reported but not breaking any rules. They can each pull all three if they want.
Chase INK: Chase on TU (Chase) and EX (First USA)
Hilton card x2: Citi once on EX
BoA Hawaiian: BoA on EX and TU
Bank of Hawaii: FIA on EX and TU
It's more pulls than typically reported but not breaking any rules. They can each pull all three if they want.
Nov 10, 2012, 5:56 pm
#38
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
They don't pull exessively, they just pulled more than one bureau. It's nothing unusual. Capital One, for example, pulls all three.
Nov 10, 2012, 7:16 pm
#39
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
It sucks getting hit with more than 1 for a card, but not much you can do except remember who does what for next time. I always avoid Cap1, unless they happen to come back with the 100k like they had in 2011.
Nov 10, 2012, 7:39 pm
#40
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I did it in 2011 for the 100,000 Cap1 but they would have to have something that good to do it again. Three pulls just aren't worth it.
Last edited by jjmiller69; Nov 10, 2012 at 10:02 pm
Nov 10, 2012, 10:25 pm
#41
Join Date: Aug 2011
Posts: 1,689
I recently applied for 2 BOA hawaain airlines card, 2 Citi Hilton card and 1 chase ink biz card. I just checked my credit report( citi identity monitor) and I am seeing just so many inquiries by all 3 bureaus.
I will list them below and please tell me if I got pulled more than once or more than one bureau for same card.
NOV 9: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
CHASE
Company Bureau ID:
3340 B 5165714
Address:
PO BOX 15298
WILMINGTON, DE 19850
Industry:
Banks
Telephone:
800-955-9900
Type:
NOV 9: Inquiries
Date reported:
11/2012
Reporting Agency:
Experian
Company:
BANK OF AMERICA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
Bank Cards
Telephone:
800-421-2110
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
CITIBANK NA
Company Bureau ID:
Address:
PO BOX 6142
SIOUX FALLS, SD 57117-6142
Industry:
Bank Cards
Telephone:
800-995-5114
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIRST USA,NA
Company Bureau ID:
Address:
PO BOX 15298
WILMINGTON, DE 19850-5298
Industry:
Bank Cards
Telephone:
800-955-9900
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIA CSNA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
All Banks
Telephone:
800-421-2110
Type:
Installment Inquiry
Nov 10th: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
FIA CSNA
Company Bureau ID:
1703 B 0009113
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Date reported:
Reporting Agency:
TransUnion
Company:
BK OF AMER
Company Bureau ID:
1703 B 0008730
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
I will list them below and please tell me if I got pulled more than once or more than one bureau for same card.
NOV 9: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
CHASE
Company Bureau ID:
3340 B 5165714
Address:
PO BOX 15298
WILMINGTON, DE 19850
Industry:
Banks
Telephone:
800-955-9900
Type:
NOV 9: Inquiries
Date reported:
11/2012
Reporting Agency:
Experian
Company:
BANK OF AMERICA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
Bank Cards
Telephone:
800-421-2110
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
CITIBANK NA
Company Bureau ID:
Address:
PO BOX 6142
SIOUX FALLS, SD 57117-6142
Industry:
Bank Cards
Telephone:
800-995-5114
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIRST USA,NA
Company Bureau ID:
Address:
PO BOX 15298
WILMINGTON, DE 19850-5298
Industry:
Bank Cards
Telephone:
800-955-9900
Type:
Bank/Credit Card Inquiry
Date reported:
11/2012
Reporting Agency:
Experian
Company:
FIA CSNA
Company Bureau ID:
Address:
PO BOX 17054
WILMINGTON, DE 19850-7054
Industry:
All Banks
Telephone:
800-421-2110
Type:
Installment Inquiry
Nov 10th: Inquiries
Date reported:
Reporting Agency:
TransUnion
Company:
FIA CSNA
Company Bureau ID:
1703 B 0009113
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Date reported:
Reporting Agency:
TransUnion
Company:
BK OF AMER
Company Bureau ID:
1703 B 0008730
Address:
PO BOX 982238
EL PASO, TX 79998
Industry:
Banks
Telephone:
800-421-2110
Type:
Fortunately they didn't pull all three.
Using the cards and paying them off immediately will def. help to get your scores back up.
With some of them pulling the same, they could def. see your prior pulls, correct?
I am assuming those hard pulls show up immediately and do not wait for reporting (is this correct?)
Nov 11, 2012, 10:15 am
#42
Join Date: Sep 2012
Location: IAH
Posts: 418
I applied for the Ink about 3 weeks ago. That was the only Chase card I applied for - I called the reconsideration line about an hour after I applied and after some discussion was approved. Despite the fact I only talked to one analyst and only called one time they did two hard inquires from Experian. Chase and Chase Bank NA.
Nov 11, 2012, 6:05 pm
#43
Suspended
Join Date: May 2012
Posts: 613
I applied for the Ink about 3 weeks ago. That was the only Chase card I applied for - I called the reconsideration line about an hour after I applied and after some discussion was approved. Despite the fact I only talked to one analyst and only called one time they did two hard inquires from Experian. Chase and Chase Bank NA.
should be pulling from 1 ( at least thats what we expect from non cap 1 cards)
Dec 4, 2012, 6:23 pm
#45
Join Date: Aug 2010
Location: LAS, MPL
Programs: DL Platinum, 1 MM
Posts: 1,321
How many hard pulls is too many
I am looking at my AOR schedule for next year and noticed that, depending on the month, I will have a running total of anywhere between 11 and 14 hard pulls for the preceding 12 months on the books. Is that going to raise a red flag with any of the banks or should I just proceed with confidence on my schedule of roughly 3 applications every 3 months?