Simultaneously doing credit checks with Transunion and Equifax
I got Transunion's Online Consumer Disclosure last week and discovered I had a soft pull from Coast Capital Savings when I applied for a chequing account. Which is odd because they also did a hard pull with Equifax.
I want to apply for the Rogers World Elite Mastercard and I've read they pull from Transunion. While I've only have one hard pull in the last year on Transunion, I have several more on Equifax. So I'm concerned that Rogers, in addition to doing a hard pull on Transunion, will also do a soft pull on Equifax, akin to Coast Capital Savings. They may decide I've had too many recent Equifax hard pulls and decline my application.
How common is it for a financial institution to do a hard pull with one agency and a soft pull with the other? Does Rogers specifically do this? Should I delay my Rogers application until my Equifax hard pulls have aged more, or am I worried unnecessarily?
I want to apply for the Rogers World Elite Mastercard and I've read they pull from Transunion. While I've only have one hard pull in the last year on Transunion, I have several more on Equifax. So I'm concerned that Rogers, in addition to doing a hard pull on Transunion, will also do a soft pull on Equifax, akin to Coast Capital Savings. They may decide I've had too many recent Equifax hard pulls and decline my application.
How common is it for a financial institution to do a hard pull with one agency and a soft pull with the other? Does Rogers specifically do this? Should I delay my Rogers application until my Equifax hard pulls have aged more, or am I worried unnecessarily?