Sick of everyone pulling Experian
Nov 13, 2014 | 12:47 pm
#31
Join Date: Jul 2013
Posts: 384
Nov 13, 2014 | 9:09 pm
#32
Join Date: Mar 2011
Programs: AA, UA, DL, AS, LH, BA, VS, HHonors, Hyatt, Club Carlson, IHG, Marriott
Posts: 833
Have you considered that maybe it's actually:
In fact, there've been very strange quirks in pull patterns in the past because of pricing quirks. Some years ago, Citi used to get a "bulk" price on N pulls from bureau A per month, and so early in the month they would always use bureau A. But they typically used up their quota of N pulls at that price before the month was out, so for the rest of the month they'd use bureau B (which gave them a better "piecemeal" price for pulls). Then the next month the same pattern would repeat. (I'm not sure if this happened everywhere or only in certain states. Nor am I sure how many years this went on.)
Why doesn't EQ price its pulls competitvely with EXP?
Ie, it could simply be that EXP has the best pricing for hard pulls. It's not a free service, and i see no reason to expect it to always be the same price from every supplier. (I also see no reason for a bank to use the most expensive bureau for pulls if they can use the least expensive one.)In fact, there've been very strange quirks in pull patterns in the past because of pricing quirks. Some years ago, Citi used to get a "bulk" price on N pulls from bureau A per month, and so early in the month they would always use bureau A. But they typically used up their quota of N pulls at that price before the month was out, so for the rest of the month they'd use bureau B (which gave them a better "piecemeal" price for pulls). Then the next month the same pattern would repeat. (I'm not sure if this happened everywhere or only in certain states. Nor am I sure how many years this went on.)
I wonder if anyone has had any successful experience freezing one of the bureaus with Citi/Chase when applying. If I freeze EQ, will Citi or Chase consider pulling from EXP or TU instead when I call for reconsideration?
Nov 13, 2014 | 11:55 pm
#33
Join Date: Feb 2011
Posts: 781
Citi is currently pulling from EQ in my case instead of EXP. It used to be the other way around but it changed starting last year. Now, I consistently get pulls from Chase, Citi and US Bank from EQ, BOA from EXP and Barclays from TU. Citi and Chase are the banks that I apply the most often so now I end up with way more pulls in EQ.
I wonder if anyone has had any successful experience freezing one of the bureaus with Citi/Chase when applying. If I freeze EQ, will Citi or Chase consider pulling from EXP or TU instead when I call for reconsideration?
I wonder if anyone has had any successful experience freezing one of the bureaus with Citi/Chase when applying. If I freeze EQ, will Citi or Chase consider pulling from EXP or TU instead when I call for reconsideration?
Nov 14, 2014 | 1:26 am
#34
Join Date: Mar 2011
Programs: AA, UA, DL, AS, LH, BA, VS, HHonors, Hyatt, Club Carlson, IHG, Marriott
Posts: 833
Nov 26, 2014 | 11:48 am
#36
Join Date: Jan 2013
Location: CA
Posts: 97
Is anyone still freezing EXP before Chase apps with success (i.e., inquiry is forwarded to EQ and/or TU)? Last time Rapid Travel Chai had issues in NJ:
http://rapidtravelchai.boardingarea....perian-freeze/
I have 22 outstanding EXP inquiries (11 last year), 14 (9) EQ, and 7 (4) TU. I've been toning it down a bit and just wanted to get the WN Companion pass, but for the first time I've been denied a personal Chase card and I'm having a real hard time to get approved (2 failed recons, waiting for letter currently). I'm thinking of waiting a bit and trying to get Chase to pull only from EQ or TU using an EXP freeze, any tips in this regard? Does anyone freeze both EXP and EQ to get chase to pull TU?
I live in CA.
http://rapidtravelchai.boardingarea....perian-freeze/
I have 22 outstanding EXP inquiries (11 last year), 14 (9) EQ, and 7 (4) TU. I've been toning it down a bit and just wanted to get the WN Companion pass, but for the first time I've been denied a personal Chase card and I'm having a real hard time to get approved (2 failed recons, waiting for letter currently). I'm thinking of waiting a bit and trying to get Chase to pull only from EQ or TU using an EXP freeze, any tips in this regard? Does anyone freeze both EXP and EQ to get chase to pull TU?
I live in CA.
I called recon again, they had notes of my previous recon calls, and denied me again. The rep specifically mentioned too many accounts (12 in the past year) and not inquiries. This is a bit troublesome as opened accounts go to all three credit bureaus. I guess nothing can be done but to wait, anyone else have this experience with 10+ accounts in last 12 months?
Nov 28, 2014 | 9:42 am
#37
In memoriam
Join Date: Jan 2006
Posts: 4,020
drekin:
Just try another bank. These things, IME, are cyclical.
For example, for years Chase turned me down for too many accounts and other reasons. No problem though, at the same time, getting Citi cards.
Then, a few years ago, Chase decided I was okay and since then I have gottem a dozen or more Chase cards.
Just try another bank. These things, IME, are cyclical.
For example, for years Chase turned me down for too many accounts and other reasons. No problem though, at the same time, getting Citi cards.
Then, a few years ago, Chase decided I was okay and since then I have gottem a dozen or more Chase cards.
Nov 29, 2014 | 10:57 pm
#38
FlyerTalk Evangelist
Join Date: Apr 2009
Location: Bye Delta
Programs: AA EXP, UA Silver, HH Diamond, IHG Plat, Hyatt Plat, Marriott Titanium, Nat'l EE, Avis PC, Hertz PC
Posts: 16,637
So I got my denial letter and I was surprised to find that the reason was not specifically related to inquires but to too many accounts: "Too many credit or load accounts have been opened recently".
I called recon again, they had notes of my previous recon calls, and denied me again. The rep specifically mentioned too many accounts (12 in the past year) and not inquiries. This is a bit troublesome as opened accounts go to all three credit bureaus. I guess nothing can be done but to wait, anyone else have this experience with 10+ accounts in last 12 months?
I called recon again, they had notes of my previous recon calls, and denied me again. The rep specifically mentioned too many accounts (12 in the past year) and not inquiries. This is a bit troublesome as opened accounts go to all three credit bureaus. I guess nothing can be done but to wait, anyone else have this experience with 10+ accounts in last 12 months?
Nov 29, 2014 | 11:04 pm
#39
Used to be 'flymanbeast'
Join Date: Jul 2011
Programs: Delta silver/marriot platinum
Posts: 2,811
Believe it or not to my surprise Citi just pulled equifax for me sadly i never focused on equifax and i have less then a perfect score there while i got 740 in the other agencies...
Nov 30, 2014 | 5:22 pm
#40
Join Date: Mar 2013
Posts: 25
drekin:
Just try another bank. These things, IME, are cyclical.
For example, for years Chase turned me down for too many accounts and other reasons. No problem though, at the same time, getting Citi cards.
Then, a few years ago, Chase decided I was okay and since then I have gottem a dozen or more Chase cards.
Just try another bank. These things, IME, are cyclical.
For example, for years Chase turned me down for too many accounts and other reasons. No problem though, at the same time, getting Citi cards.
Then, a few years ago, Chase decided I was okay and since then I have gottem a dozen or more Chase cards.
Mar 11, 2015 | 12:19 am
#41
Join Date: Jan 2013
Location: CA
Posts: 97
I'm planning to try again later this month when a few inquiries become over a year old and others drop off. I'll also close 3 accounts (one is from Chase) that I don't use anyway and they have annual fees (in other words, I would close them anyway, just a bit later in the year). I'm also toying with the idea of freezing experian, through Chase pulled from both experian and equifax on the last application and denial layer came with my equifax score. Will report back the results.
May 11, 2015 | 3:58 am
#43
Join Date: May 2014
Location: SoCal
Posts: 2,165
I was wondering if freezing experian still works with chase? i am planning to apply for a chase card soon, and i have frozen my experian account lately, it did work with BofA, they pulled TU, i am just wondering if anyone had success with chase lately.
Location is SoCal.
Thank You
Location is SoCal.
Thank You
May 18, 2015 | 9:39 am
#44
Join Date: Dec 2007
Posts: 146
No on Chase, No on Citi. I'm in Colorado.
I have Experian on freeze.
I applied with Chase (personal) today and called in. They insisted on pulling Experian. I gave the analyst my Experian freeze PIN and they did the hard pull and approved.
I applied with Citi (personal) today and called in. They insisted on pulling Experian. I gave the analyst my Experian freeze PIN and they did the hard pull and approved.
So keeping the BofA pulls off of my Experian has been my only benefit to the freeze. The cost is having to call in with a PIN when I would have previously been approved instantly.
I have Experian on freeze.
I applied with Chase (personal) today and called in. They insisted on pulling Experian. I gave the analyst my Experian freeze PIN and they did the hard pull and approved.
I applied with Citi (personal) today and called in. They insisted on pulling Experian. I gave the analyst my Experian freeze PIN and they did the hard pull and approved.
So keeping the BofA pulls off of my Experian has been my only benefit to the freeze. The cost is having to call in with a PIN when I would have previously been approved instantly.