Questions about credit inquiries (pulls)
Feb 15, 2013 | 8:45 am
#91
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,677
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.
Feb 15, 2013 | 9:01 am
#92
Join Date: Apr 2012
Posts: 130
Feb 15, 2013 | 12:10 pm
#93
Join Date: May 2010
Posts: 189
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.
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.
Feb 15, 2013 | 12:22 pm
#94
Join Date: May 2011
Location: Ann Arbor
Programs: Delta GM, Hilton
Posts: 192
Maybe it's just my location, but hardly anyone uses Equifax for me. On my credit report, I only have 3 inquires reported on Equifax and double digit amounts on Transunion and Experian.
Feb 15, 2013 | 3:35 pm
#95
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
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 was shocked ... TU has only 2 pulls in 24 months, EQ has 1, and *all* the others where EX!!
Feb 15, 2013 | 9:33 pm
#96
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
Feb 15, 2013 | 9:39 pm
#97
Join Date: Aug 2010
Location: ORD
Programs: AA EXP >3 Million miles,HH Lifetime Diamond
Posts: 3,440
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.
Mar 6, 2013 | 9:08 pm
#99
Join Date: Aug 2012
Posts: 17
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.
Mar 6, 2013 | 9:13 pm
#100
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
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.
Mar 8, 2013 | 7:48 am
#101
Join Date: Mar 2012
Location: EZE
Posts: 123
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.
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.
Mar 8, 2013 | 8:30 am
#102
Join Date: Mar 2012
Posts: 784
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
It's also being reported here in last few pages
http://www.flyertalk.com/forum/miles...first-358.html
Last edited by wcj; Mar 8, 2013 at 9:01 am Reason: Additional link
Mar 10, 2013 | 5:31 pm
#103
Join Date: Sep 2012
Location: ORD
Posts: 269
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?
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?
Mar 10, 2013 | 5:43 pm
#104
Join Date: Apr 2012
Posts: 1,183
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?
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).
Mar 10, 2013 | 5:52 pm
#105
Join Date: Sep 2012
Location: ORD
Posts: 269
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).
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.