Sick of everyone pulling Experian

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Apr 19, 2014 | 8:02 am

Rommie2k6

Original Poster

Suspended

Join Date: Nov 2009

Posts: 1,076

Sick of everyone pulling Experian

I was checking through all my credit reports, here are my hard pulls:
Experian: 20 (regular pullers include AMEX, BoA, Citi, Chase)
TransUnion: 10 (regular pullers include Chase, Barclays, BoA/FIA, US Bank)
Equifax: 1 (Discover)

Was wondering if others could share their hard pulls across all 3 bureaus and see if there is any trend between banks and bureaus.

Apr 19, 2014 | 8:37 am

bo1953

Join Date: Oct 2005

Location: Ewing, NJ

Programs: OnePass, Delta

Posts: 245

Besides, where you live, the CB's used for pulls are the ones cc companies usually rely on, as many only pull one for credit decisions in many instances or two at most.

Apr 19, 2014 | 9:36 am

SFOPhD

Join Date: Mar 2011

Programs: AA Platinum Pro, Hilton Diamond, Hyatt Exploralist, Marriot Silver

Posts: 2,068

Quote:

Originally Posted by Rommie2k6

Was wondering if others could share their hard pulls across all 3 bureaus and see if there is any trend between banks and bureaus.

There are indeed trends that depend on the state. Here's a reasonably informative crowd-sourced database:

http://creditboards.com/forums/index...om=creditpulls

Apr 19, 2014 | 9:49 am

Fuerza

Join Date: Jan 2013

Programs: AA, SPG, MR, UR, Cash Back!

Posts: 606

My EX inquires are building up too. I made a few mistakes and have had GECRB pull EX and also a dentist. Now I'm living with them on there for the next year plus.

now I leave EX frozen, when I got my Fidelity Amex I asked FIA to pull TU and they didn't give me any problem. I still want a 2nd Cit AA Ex and an Amex Platinum. I know that will add 2 inquires to EX there.

Apr 19, 2014 | 1:08 pm

maddie5218

Join Date: Jan 2014

Location: LAX/BUR

Posts: 525

Citi has been pulling EQ on me which I kind of love because they're the only ones ha. My TU one definitely has the most pulls. Funny how much it varies by state.

Apr 19, 2014 | 2:36 pm

Fuerza

Join Date: Jan 2013

Programs: AA, SPG, MR, UR, Cash Back!

Posts: 606

Does Citi consolidate pulls? If I apply for a Citi TY premier will they use the same pull for a 2nd Citi Ex?

Apr 20, 2014 | 1:16 am

aceofcards

Join Date: Mar 2014

Location: OC/LAX

Posts: 376

Here in CA my EXP is definitely building up ... both Chase and Citi pull from EXP for me

Apr 20, 2014 | 2:25 pm

uneeq

Join Date: Oct 2013

Location: DFW

Posts: 246

Citi, Amex, chase, and boa all pull EXP for me. I ....ing love it, my EQ and TU sit there spotless unused while my EXP get raped on a monthly basis and everyone sees every pull.

Apr 20, 2014 | 7:23 pm

luggagebin

Join Date: Jun 2013

Location: NYC

Programs: AA EXP, Delta PM, HH Gold, Hyatt Diamond, Etihad Gold, Amtrak Select

Posts: 133

Yeah, my EXP consistently trails by a large margin due to constant pulls. Besides regional criteria, how does a bank decide which to pull? Is there some kind of relationship or contract with certain bureaus? Does anyone know how it works?