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Here's mine!
NJ
Transunion
- Orchard Bank/Household Bank (also pulled Equifax, now Capital One which will pull all 3)
- JCPenney (GECRB)
- Sallie Mae
Equifax
- Orchard Bank/Household Bank
Experian
- Chase (Freedom and Sapphire)
- Shell (Citi, for card and CLI)
- TD Bank (credit card)
@Swapmeet wrote:I am noticing some people reporting GE doing hard pulls for some of their cards, and my usaa credit check monitoring says GE did a hard pull on TU recently. I was under the impression that GE did soft pulls only. Has something changed, or are the soft pulls only for CLI?
The cards are always hard to my knowledge; credit limit increases are soft pulls. People have reported that Care Credit is the only card that will always be a hard pull to increase the limit, maybe because it has a higher risk of default?
Maryland/Michigan
Experian:
FIA - initial
Chase
American Express
Macys American Express - initial
PNC
Transunion:
Barclays
Sallie Mae
GE Capital Retail Bank - initial, soft for credit limit increases
FIA - credit limit increases
Elan Financial Services
Chase - credit limit increases
Discover - credit limit increases (soft)
Equifax:
Chase - rare
Macys - initial, soft for credit limit increases
Macys American Express - credit limit increases (soft)
Discover - initial
I do wonder why some lenders differ while some do not. American Express almost exclusively looks at Experian, as does Macys for the American Express card. Barclays and GE Capital Retail Bank also almost exclusively use Transunion for their reports. Some lenders say it is totally random and they can not control it. Chase and Discover let you tell them which bureau you would like them to look at.
" Chase and Discover let you tell them which bureau you would like them to look at."
Looking for clarrification on this statement. Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?
@bigman023 wrote:" Chase and Discover let you tell them which bureau you would like them to look at."
Looking for clarrification on this statement. Are you saying that, if I app over the phone with Chase,the CSR will ask which CR I want them to pull?
Well with Discover, I had Equifax frozen because they kept putting bankruptcy and some such nonsense that was not mine. She said she could pull another bureau and out of curiosity I asked if they always did it and she said you can always request a bureau for them to look at.
With Chase, I asked them before the submitted the application if they could look at a certain bureau and they said okay. I have never had someone from Chase insist on a certain one. I only care because I don't want a lot of inquiries on one report.
Interesting thread! What does Citi pull for credit limit increases?
Interestingly, I've noticed periodic checks from Citi and Chase on all three reports. These are the "account maintenance" checks that I have no control over.
North Carolina:
EX = AMEX
TU = BoA, Barclays, GE $ Bank
EQ = Chase, Cap One
SC:
Equifax: DCU, USAA, PenFed, USBank, Chase, Discover, GECRB/Lowes, Amex, BofA, CapOne
TransUnion: Barclays, Discover, BofA, GECRB/Paypal, Amex, Wells Fargo, CapOne
Experian: Amex, Citi, CapOne
@kobe2012 wrote:Just wanted to share credit lender pulls ... in CA
TRANSUNION
-- capital one (pulls all 3)
-- walmart (gecrb)
-- chevron (gecrb)
-- chase (pulls TU and EX)
-- barclay apple
-- daniel's jewelers
EQUIFAX
-- discover
-- nordstrom visa
-- kay jewelers
-- best buy
-- capital one
-- att wireless
EXPERIAN
-- amex
-- chase
-- citi
-- capital one
-- credit one
hope this will be helpful to anyone who's planning to apply!!!
Regarding Cap1, it appears that they do not ALWAYS pull all 3 CB's.....just opened my Cap1 acct & ck'd all 3 CB's after only TU was pulled
Im In Southern California and here is what I have so far on my reports.
EQ: At&T
EX: Amex, Citi
TU: Discover
(When I applied for my BOFA at my local branch, and then checked my CR's, I found nothing for any BOFA inquiry.)