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Credit Cards and the Reports they pull

Established Member

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?

Message 1 of 12
11 REPLIES
Valued Contributor

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 ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 2 of 12
Valued Contributor

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 12
Valued Contributor

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 ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 4 of 12
Established Member

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.

Message 5 of 12
Valued Contributor

Re: Credit Cards and the Reports they pull


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 ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 12
New Contributor

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.

Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Message 7 of 12
Super Contributor

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), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 8 of 12
Valued Contributor

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%
Message 9 of 12
Established Member

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 799 (Credit.com), TU FICO (Discover) 757 (4/19/14), TU MYFICO 738, EQ ?
Goal Score: 800

Amazon 3500 - PayPal Credit 6000 - Discover IT 9000 - AMEX TE 2000 - AMEX BCE 2000 - CITI TY 6000 - CITI Simplicity - 5900 - Chase Freedom 5800 - Chase Amazon 1700 - Macys 1000 - Cap 1 4000 - CITI Shell 1200 - Chase INK 2000 - CSP 10800 - BofA Cash 5000
Message 10 of 12