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I'll be apping soon and just curious what reporting agencies Chase, BofA, and Discover pull from. Is there a trend? Do they do just one or all three? Is it random?
Google creditpulls and you will be able to see which they pull.
Discover : TU
Chase : EQ
Boa : EX but its YMMV or based on your location. Sometimes they pull all three or two ( Discover pull TU and EQ for my apps )
It all depends on where you live as to which CR a creditor may choose. Chase pulled EX and TU for me so you can't go by what others say unless you know that you are in the same territory. Although I do believe that Discover may pull TU exclusively; at least they did for me, but don't quote me on that one.
nice little website for the credit pulls when googled. It seems random. None seemed to just use one agency.
@jpschroe37 wrote:nice little website for the credit pulls when googled. It seems random. None seemed to just use one agency.
Did you filter by your state? That's how you can tell.
I had requested a CLI from Discover just yesterday (got it YYESSS!!) and actually asked which one they use,cause I'm nosy like that. She said TU.
which state do you live in?
For most banks it varies depending on where you live.
For example, Chase pulls EQ in Norcal, and EX in Socal. Citi pulls EQ in NY and EX in Socal.
Amex pulls EX most of the time regardless of where you are from, and Barclays pull TU most of the time as well regardless of location.
Im in Chicago.
Chase Freedom - TU and EX
Discover More - TU and EQ
AMEX BCP - EX
Citi Simplicity - EQ and EX
Barclays Apple - TU
BofA Cash VISA Signature - TU and EX