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I just use Creditkarma and Credit Sesame since they're free. Since they use Transunion and Experian, respectively, I see which bank pulled from either one after my applications. If it's not on one of those then process of elimination, it was Equifax.
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Originally Posted by jada135
(Post 20253110)
Can you point me to one of these links I have credit secure with Amex and I don't like it.
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Originally Posted by ddallas
(Post 20253218)
I use CreditCheck Monitoring Premium. I can pull all three credit reports once per day. If you get it through USAA.com it is $12.95 per month. Credit is a hobby of mine so to me it is worth it.
If you only want to get a look at each credit report once every 30 days or so you can usually get a free report at each credit bureau site by clicking that you have recently had adverse action (credit denial) or you want to dispute something on your report. The bureaus make those links hard to find and try to sell you crap along the way as you click through but I used to do it that way. Maybe go to creditboards.com and search for "free credit reports" they probably have the information and links there somewhere if you can't find them on TU, Experian, and Equifax sites. I thought USAA now limits it to one pull per month. |
Originally Posted by 84fiero
(Post 20253248)
I just use Creditkarma and Credit Sesame since they're free. Since they use Transunion and Experian, respectively, I see which bank pulled from either one after my applications. If it's not on one of those then process of elimination, it was Equifax.
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I pulled all 3 credit reports and began to add who pulled what and when on google calendar
I was shocked ... TU has only 2 pulls in 24 months, EQ has 1, and *all* the others where EX!! |
Originally Posted by infamousdx
(Post 20253031)
If you truly want to know, get your free annualcreditreport.com for each bureau or pay for it. It's worth the small price if you want to know.
Thanks. |
Originally Posted by stupidzbu
(Post 20255788)
I pulled all 3 credit reports and began to add who pulled what and when on google calendar
I was shocked ... TU has only 2 pulls in 24 months, EQ has 1, and *all* the others where EX!! I don't know where you live but I wouldn't necessarily be shocked. Ex is the largest bureau by far so would stand to reason theyd have the lions share of inquiries. |
Originally Posted by jatink129
(Post 20257229)
A question about that... I know it's free once a year, but is it every 12 months? or calendar year?
Thanks. |
Citi: Automatic rejection due to "more than one inquiry in last 5 days"
I applied to the Citi 5x Gas/Grocery card on my latest 5 card churn, but they gave me an "automatic rejection" for having, per the supervisor on the reconsideration line, "more than one inquiry in the last five days." Anybody heard of this before? I figure I'll give another call to the reconsideration line tomorrow.
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I'm starting to think Citi is clamping down because of churning. First they stopped the 2BM, now you can't have two apps within 24 hours, and now this. Hopefully it was just one random Recon Agent.
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Citi auto-denies for more than 1 inquiry last 5 days?
Someone just wrote to me and said he had a ThankYou Preferred app denied. When he called reconsideration, they said it was because he had "more than one credit inquiry in the last five days." He called back a few times and got the same answer. He could not get them to budge.
I've searched the web for similar denials and found nothing. One time thing? New policy? If it is a new policy, it's not catastrophic unless all issuers adopt it. If just Citi does, then you just apply for the Citi cards first in your app-o-rama. |
http://www.flyertalk.com/forum/credi...st-5-days.html
It's also being reported here in last few pages http://www.flyertalk.com/forum/miles...first-358.html |
Credit pulls impact on apartments?
Hello everyone,
I know the rule of thumb is to hold off on credit card churning when making big purchases such as car and home. But what about just renting an apartment? I'm thinking about moving and a lot of the apartments I'm looking at require a credit check. Will the fact I've applied for a bunch of credit cards recently have a negative impact on me getting approved for an apartment? Would the apartment credit check show up as yet another credit pull that I should take into account before doing my next round of credit card applications? |
Originally Posted by sound48
(Post 20396528)
Hello everyone,
I know the rule of thumb is to hold off on credit card churning when making big purchases such as car and home. But what about just renting an apartment? I'm thinking about moving and a lot of the apartments I'm looking at require a credit check. Will the fact I've applied for a bunch of credit cards recently have a negative impact on me getting approved for an apartment? Would the apartment credit check show up as yet another credit pull that I should take into account before doing my next round of credit card applications? That said, if you're being compared against someone with the same background who DOESN'T have all those inquiries...that might put you at a disadvantage. The credit check they run will show up as a regular hard pull on your credit report (at least they always have for me). |
Originally Posted by gloreglabert
(Post 20396585)
My guess is that apartment checks are looking primarily for negative info like charge-offs and the like, and aren't so concerned about things like regular inquiries.
That said, if you're being compared against someone with the same background who DOESN'T have all those inquiries...that might put you at a disadvantage. The credit check they run will show up as a regular hard pull on your credit report (at least they always have for me). Cool, thanks for the info. |
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