Sick of everyone pulling Experian
Mar 2, 2016 | 2:15 am
#48
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,807
Experian's report does not explicitly distinguish HPs and SPs.
This should be the reason for the high number of credit pulls.
This should be the reason for the high number of credit pulls.
Mar 2, 2016 | 5:22 am
#50
Join Date: Dec 2015
Posts: 64
freeze your experian https://www.experian.com/freeze/center.html and apply away. just remember, any company that pulls experian will decline you.
once you know you are declined, call ask them to pull a different bureau.
best creditpull database https://creditboards.com/forums/inde...pp=creditpulls
Mar 2, 2016 | 6:00 am
#51
Join Date: Mar 2006
Location: DEN
Posts: 814
false.
freeze your experian https://www.experian.com/freeze/center.html and apply away. just remember, any company that pulls experian will decline you.
once you know you are declined, call ask them to pull a different bureau.
best creditpull database https://creditboards.com/forums/inde...pp=creditpulls
freeze your experian https://www.experian.com/freeze/center.html and apply away. just remember, any company that pulls experian will decline you.
once you know you are declined, call ask them to pull a different bureau.
best creditpull database https://creditboards.com/forums/inde...pp=creditpulls
Mar 2, 2016 | 6:21 am
#52
Join Date: Aug 2015
Posts: 214
Two useful sources for you
Rekehs mentioned the first one, just put in the CC or bank you're looking into with your state and it will give you a good idea what bureaus you're working with.
And here's an article with datapoints of how most banks handle the freezing of a credit bureau.
Rekehs mentioned the first one, just put in the CC or bank you're looking into with your state and it will give you a good idea what bureaus you're working with.
And here's an article with datapoints of how most banks handle the freezing of a credit bureau.
Mar 2, 2016 | 12:34 pm
#54
Join Date: Aug 2015
Programs: Hyatt Globalist, JB Mosaic, SW AList + CP
Posts: 394
and i pulled all three ficos from MYFICO and experian does not distinquish between HP and SP
Mar 12, 2016 | 8:26 am
#56
Join Date: Dec 2015
Posts: 64
thin/thick file?
negatives?
score?
total revolving?
utilization?
is any card carrying more than 50%?
how many cards have a balance?
Mar 12, 2016 | 12:07 pm
#57
Join Date: Sep 2015
Posts: 68
Have a 14 years credit history with a paid off mortgage. My utilz rate is 3% and I have 3 cards with citi and one of those is a biz card and the total credit with those cards is about 20k.
Mar 14, 2016 | 9:52 am
#58
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
That 20k is probably your problem. They're not willing to extend you any more credit and 20k isn't high.
Mar 14, 2016 | 12:30 pm
#59
Join Date: Sep 2015
Posts: 68
Wouldn't they tell me that instead of giving me the too many inquiries excuse? I can move some credit around if that was the case, I called the citi executive office and the person I talked to was nice enough to tell me the reason that was denied, not like the regular rep who just flat out said wait for the denial letter.
Mar 14, 2016 | 4:25 pm
#60
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Wouldn't they tell me that instead of giving me the too many inquiries excuse? I can move some credit around if that was the case, I called the citi executive office and the person I talked to was nice enough to tell me the reason that was denied, not like the regular rep who just flat out said wait for the denial letter.