@gen-specific wrote:Hello, does anyone have a matrix of which of the three credit reports will be pulled by which lender?
I know this is generally regional, and at one point in time I did seek lenders on the opposite side of the country to pull my transunion score, and then selectively allow a pull on an exquifax score from a lender on this side of the country, for instance
but at this point its too confusing because I can't keep up, and everyone is just in the midwest now.
I get a highly disproportionate amount of pulls on my Experian #, obviously lowering the score. Where my other company scores actually increase in the same amount of time! I am deemed more credit worthy by those other scores and would prefer to knock them down if I plan to leave the garden, or if I have to get my credit pulled like in a background check
Just curious how are you "selectively" allowing lenders to pull certain reports?
@LS
I'm afraid to see the answers
I'm afraid to see the answers
@LS2982 wrote:
@gen-specific wrote:Hello, does anyone have a matrix of which of the three credit reports will be pulled by which lender?
I know this is generally regional, and at one point in time I did seek lenders on the opposite side of the country to pull my transunion score, and then selectively allow a pull on an exquifax score from a lender on this side of the country, for instance
but at this point its too confusing because I can't keep up, and everyone is just in the midwest now.
I get a highly disproportionate amount of pulls on my Experian #, obviously lowering the score. Where my other company scores actually increase in the same amount of time! I am deemed more credit worthy by those other scores and would prefer to knock them down if I plan to leave the garden, or if I have to get my credit pulled like in a background check
Just curious how are you "selectively" allowing lenders to pull certain reports?
I read it as OP choosing the lender based on what report they pull.
OP, do a google search for "credit pulls database". That will also give you info on which creditors pull which CRA. You can use the drop down to select the creditor and state if you wish to help narrow it down for you.
@Walt_K wrote:
@LS2982 wrote:
@gen-specific wrote:Hello, does anyone have a matrix of which of the three credit reports will be pulled by which lender?
I know this is generally regional, and at one point in time I did seek lenders on the opposite side of the country to pull my transunion score, and then selectively allow a pull on an exquifax score from a lender on this side of the country, for instance
but at this point its too confusing because I can't keep up, and everyone is just in the midwest now.
I get a highly disproportionate amount of pulls on my Experian #, obviously lowering the score. Where my other company scores actually increase in the same amount of time! I am deemed more credit worthy by those other scores and would prefer to knock them down if I plan to leave the garden, or if I have to get my credit pulled like in a background check
Just curious how are you "selectively" allowing lenders to pull certain reports?
I read it as OP choosing the lender based on what report they pull.
me too. You might try whogavemecredit.com
If you are looking for a TU puller, try Barclay. If you need an EQ puller, try Discover.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@gen-specific wrote:
@myjourney wrote:
@webhopper wrote:
@Walt_K wrote:
@LS2982 wrote:
@gen-specific wrote:Hello, does anyone have a matrix of which of the three credit reports will be pulled by which lender?
I know this is generally regional, and at one point in time I did seek lenders on the opposite side of the country to pull my transunion score, and then selectively allow a pull on an exquifax score from a lender on this side of the country, for instance
but at this point its too confusing because I can't keep up, and everyone is just in the midwest now.
I get a highly disproportionate amount of pulls on my Experian #, obviously lowering the score. Where my other company scores actually increase in the same amount of time! I am deemed more credit worthy by those other scores and would prefer to knock them down if I plan to leave the garden, or if I have to get my credit pulled like in a background check
Just curious how are you "selectively" allowing lenders to pull certain reports?
I read it as OP choosing the lender based on what report they pull.
me too. You might try whogavemecredit.com
If you are looking for a TU puller, try Barclay. If you need an EQ puller, try Discover.
OP please clarify because I read it as maybe OP travels and pulls the trigger in say Chicago,New york, Texas depending on what region?
I choose a lender based on what report they pull. Other people read it correctly.
That's exactly how I planned all of my app sprees 