Current FICO 770; already have personal AMEX, BofA, Chase, and CITI. Try to avoid any who would hard pull EX. Prefer those who might do airline, hotel or other promos.

duna said:Current FICO 770; already have personal AMEX, BofA, Chase, and CITI. Try to avoid any who would hard pull EX. Prefer those who might do airline, hotel or other promos.

Your not getting it, EVERYONE PULLS EXPERIAN WHEN THEY WANT TOO!!! There is no way to know ahead of time.

Even bank atlantic (a known TU puller) has pulled my EQ before. But 99% of the time the pull TU.

What is wrong with freezing EXP and then doing 30 apps, The creditors who want to see experian will be only a few. B* off the INQs.

On your next AOR you can unfreeze experian and do the Experian pullers 1st, then freeze again and continue the AOR as normal.

You might only get 2 or 3 experian hits that way.

I'm going to unfreeze my experian for 1 day, apply with the creditors who refuse to pull another 1st (AMEX and Discover for me). Experian will be refrozen on the 2nd day, then I'll do the other apps.

We KNOW CRAP1 pulls all 3, but i've shown that they are willing to only see 1 of your reports. How could you know that without trying????? We are looking for GLITCHES in their systems.

You and most people think:

A) Creditor pulls your credit and decides if your good enough. End of story!

When in fact a creditor is just like you or I. Some days we need money and some days we don't. Some days a creditor will give credit to a 650 score and some days they won't!!!!!

If a creditor is desperate for new accounts, they'll give 1 to anyone. If a creditor has given out 80% of what they expected to give out, then maybe they will wait for the 780 credit scores. There is no way of knowing.

Some days a creditor needs to get rid of cash, so they want apps with BT requests and some days they don't want BT requests because they've givin out all they expected already.

You cant over think it, just throw your hat in the ring (apply like crazy) and see where the chips fall.

When I apply, I don't care what the creditors want!!!! I care what I want, I'm willing to take a few experian hits and after that I'm not willing to take anymore.

You should freeze and unfreeze selectively, the wrong thing to do, is to think you can pick non-exp pullers with your experian unfrozen. You will get dinged much more than you expect.

win333 said:There is no way to know ahead of time.I totally disagree. In planning my recent AOR, I predicted what creditors would pull what reports based both on what other people have reported and on my own past experiences. I was 100% correct.

Just look at the recent A0Rs and keep in mind that it does vary by state (I'm in California). Of course it isn't guaranteed that they'll keep pulling from the same bureau, but the odds are good.

win333 said:

You say it's not guaranteed and then say you disagree with me!

You red my post because of it but my post covers many topics!!!

You really are helping alot, thanks for your 100% effort!!!Quite frankly, I red your post because your rambling posting style is starting to irritate me to the point where I don't read most of what you post. I don't mean to be rude here, just honest, though I'll guess it comes across as both.

OP asked a simple question, and while part of your post addressed it, most of it didn't. There are threads dedicated to freezing strategy; you could keep the post brief and just refer OP to those. And I think your advice to just apply like crazy is flawed - it's certainly a strategy that lots of people use, but as many A0R threads have shown, you *can* think it over and plan well and not have to apply like crazy.

So red for that, and for your profligate use of punctuation.
As one of my favorite authors would say, multiple exclamation marks are a sure sign of someone who wears their underwear on their head.

cashmonkey said:win333 said:

You say it's not guaranteed and then say you disagree with me!

You red my post because of it but my post covers many topics!!!

You really are helping alot, thanks for your 100% effort!!!Quite frankly, I red your post because your rambling posting style is starting to irritate me to the point where I don't read most of what you post. I don't mean to be rude here, just honest, though I'll guess it comes across as both.

OP asked a simple question, and while part of your post addressed it, most of it didn't. There are threads dedicated to freezing strategy; you could keep the post brief and just refer OP to those. And I think your advice to just apply like crazy is flawed - it's certainly a strategy that lots of people use, but as many A0R threads have shown, you *can* think it over and plan well and not have to apply like crazy.

So red for that, and for your profligate use of punctuation.
As one of my favorite authors would say, multiple exclamation marks are a sure sign of someone who wears their underwear on their head.

You obviously live in your own little world and only think about the actual question the OP posted.

But what your lack of understanding shows is you have no clue of what is going on in the background, Duna and I have been PMing back and forth.

So I try to answer many questions in 1 post, unlike you who can't think outside the box.

Many exclamations means REREAD A FEW TIMES SO IT SINKS IN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

GET IT!!!!!!!

So maybe you should get your underwear off of your head and pull your head out of your...... well you know.

See how puncuation works, when there is no body language or tone involved.

Again, what you think is rambling, is my well thought out attempt to HELP OP figure this out. He's been reading since DEC and still doesn't get it. Where is your help?

I guess these are your informative post RIGHT!!!!!

WOW you predicted which wouldn't pullexperian from a 9 APP AOR BRAVO try 30 or 40 apps next time

Thats not even considered an AOR, you and JAKERU should team up and maybe you could make 1 AOR.

WOW your posts are so help full

This kind of kindergarten question isn't annoying right

OP, look here for another idea: link
freezing your EX report will stop any application where they try to pull EX which will effectively shield it from those hards pulls.