Yikes! Checked my reports and

Discussion in 'Credit Talk' started by citychick, Dec 23, 2003.

  1. citychick

    citychick Well-Known Member

    EXP and TU both took about a 40 - 50 point hit from all the inquiries and new accounts I opened! EQ wasn't too bad - the only new creditors who checked that one were Amex and Household. Amex checked EQ for Blue, but EXP for Gold Rewards. I got both the GM Platinum MC and Corvette MC, and Household only pulled one report on EQ.

    If this helps anyone, here's what I found (I'm in NY) -

    EXP inquiries (695 at time of applications):
    Amex Gold
    Bloomingdale's
    Chase
    Dell (pulled 2 hards and 1 soft on the same day, will dispute)
    Ann Taylor (rejected, too many inquiries)
    Nordstrom (rejected, too many inquiries)
    Discover (rejected, too many inquiries)
    MBNA (rejected, too many inquiries and 1 derog from 1998)

    TU inquiries (680 at time of applications):
    Bank of America
    Chase
    MBNA (rejected, too many inquiries)
    Citibank (rejected, blacklist and they pulled 2 hards anyway)

    EQ (660 at time of applications):
    Household (1 for GM and Corvette)
    Amex Blue

    BofA is reporting correctly to all 3; Bloomie's is only on EXP but correct; Amex Gold and Dell are also only on EXP - Dell is pulling a Crap 1 and only reporting the high balance, not the full limit; Providian has not updated their balance to $0 from the bank transfer last month to BofA, so my utilization is higher now than before :(

    Chase is reporting to all 3 correctly. Crap 1 still shows open w/a balance, despite paying them off 2 months ago and closing account in the beginning of December.

    I've gotten the cards I want, so no more app's for me for the next 2 years at least :)
     

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