Reply
Frequent Contributor
2011beginnings
Posts: 296
Registered: ‎02-01-2013
0

How do you know who they pulled?

When applying for a new card, what services do you use to know who was pulled?

I have Credit Karma but are there other free services who will inform you of what bureau the credit company pulled?
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

Re: How do you know who they pulled?

there's a sticky that has a lot of info about CMS's and whether they are free or not.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: How do you know who they pulled?

Credit Seasame = TU

 

Quizzle and Credit Karma = EX

 

All of the above have monitoring alerts settings that will send you an email for any changes.  Don't know of any free for EQ.  I would advice going with a paid CMS as J_casteel mentioned.


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
Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

Re: How do you know who they pulled?


Rhaeny wrote:

Credit Seasame = TU

 

Quizzle and Credit Karma = EX

 

All of the above have monitoring alerts settings that will send you an email for any changes.  Don't know of any free for EQ.  I would advice going with a paid CMS as J_casteel mentioned.


WRONG!

 

CS=EX

Quizzle=EX

CK=TU

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012
0

Re: How do you know who they pulled?


j_casteel wrote:

Rhaeny wrote:

Credit Seasame = TU

 

Quizzle and Credit Karma = EX

 

All of the above have monitoring alerts settings that will send you an email for any changes.  Don't know of any free for EQ.  I would advice going with a paid CMS as J_casteel mentioned.


WRONG!

 

CS=EX

Quizzle=EX

CK=TU


+1  the corrected info above is the right one.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: How do you know who they pulled?

If you have an AMEX account I personally like their CreditSecure product. $25 a month unlimited 3-bureau reports.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012
0

Re: How do you know who they pulled?


LS2982 wrote:
If you have an AMEX account I personally like their CreditSecure product. $25 a month unlimited 3-bureau reports.

USAA CreditCheck Monitoring Premium  is another daily puller that pulls from all three.  I used to have it.  I think they are offering 12.95 a month right now.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: How do you know who they pulled?


pakman92 wrote:

LS2982 wrote:
If you have an AMEX account I personally like their CreditSecure product. $25 a month unlimited 3-bureau reports.

USAA CreditCheck Monitoring Premium  is another daily puller that pulls from all three.  I used to have it.  I think they are offering 12.95 a month right now.


I use them as well but they have made some changes.  You don't get daily for $12.95 any more, it's around $20 now for daily.  The lower amount gets you monthly.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}