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Established Member
jpschroe37
Posts: 17
Registered: ‎03-08-2013

Credit Cards and the Reports they pull

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?

Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Cards and the Reports they pull

Google creditpulls and you will be able to see which they pull.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Credit Cards and the Reports 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 )


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Cards and the Reports they pull

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.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Established Member
jpschroe37
Posts: 17
Registered: ‎03-08-2013

Re: Credit Cards and the Reports they pull

nice little website for the credit pulls when googled. It seems random. None seemed to just use one agency.

Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Cards and the Reports they pull

[ Edited ]

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.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Valued Member
carlismycat
Posts: 42
Registered: ‎04-16-2013

Re: Credit Cards and the Reports they pull

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.

*Just put on my gardening gloves today (5-26-2013)*
Starting out: myficoTU/671 & EQ/683 ( April 15,2013)
Current : 696 EQ FICO (June 6, 2013)
Goal : 800

Citi 10K / Discover IT 5,750. / Amex TE 4,500./ Amex BCP 1K/ amex green/ Walmart store 1200. / 1ST-sav 650./ToysRus 500./Orchard 500./Cap1 500.
Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: Credit Cards and the Reports they pull

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.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

Re: Credit Cards and the Reports they pull

I'm in Texas.

Chase Freedom - EX
Discover IT - TU
Amex Green, BCE - EX
Citi - EQ
WF - EX
BoA - They soft EX on pre-approval.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Member
nash2vic
Posts: 22
Registered: ‎11-15-2012

Re: Credit Cards and the Reports they pull

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

 


Starting Score: 660
Current Score: EX FAKO 778 (Credit.com), TU FICO (Discover) 769 (12/19/13), TU MYFICO 738, EQ ?
Goal Score: 750

Amazon Store Card 3500 - PayPal Credit 6000 - Discover More IT 6000 - AMEX TrueErn 2000 - AMEX BCP 2000 - CITI AA WMC 3200 - CITI Simplicity 5900 - Chase Freedom 5800 - Chase Amazon 1700 - Macys 1000 - Cap 1 4000 - CITI Shell 1200 - Chase INK 2000 - BofA Cash Siggy 5000

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