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Can you point me to another source? Most of the time, with some work looking into an individual bank, I can find out where they are doing do their hard pull. Any chance someone has put together a list matching banks to the agencies they HP? Fairly new here and haven't quite found my way around yet. Thanks.
There isn't one but if you do searches on the Credit Card Approvals subforum, you can build your own database of each bank. Note that credit pulls databases online aren't very accurate.
I've been building my own based on 30 different factors (including AAoA, recent inquiries, recent new accounts, etc) but it's just based on my own data points and doesn't really work for others necessarily.
Remember that different lenders may pull different bureaus for different products or for people in different states. So a lender may use TU for one product, EX for another product, but may pull only EQ for people living in a particular state.