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gen-specific
Posts: 337
Registered: ‎02-27-2013
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Matrix of which credit report will be pulled

[ Edited ]

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

 

 

 

 

Citi Thank You Premier 60k, Alliant 30k, AMEX Blue 30k, Chase Sapphire Preferred 30k, BoA VISA Rewards 30k, Wells Fargo 30k, Barclays Arrival+ 30k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX ???, EXP ???, TU 780 - Dec 2014
Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: Matrix of which credit report will be pulled

check out the site whogavemecredit.com that may help

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LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Matrix of which credit report will be pulled


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?




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09Lexie
Posts: 26,636
Registered: ‎09-13-2012
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Re: Matrix of which credit report will be pulled

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Walt_K
Posts: 3,065
Registered: ‎11-02-2009
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Re: Matrix of which credit report will be pulled


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. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Matrix of which credit report will be pulled

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.


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
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webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Matrix of which credit report will be pulled


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.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: Matrix of which credit report will be pulled


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?

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Frequent Contributor
gen-specific
Posts: 337
Registered: ‎02-27-2013
0

Re: Matrix of which credit report will be pulled

[ Edited ]

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.

  

 

Citi Thank You Premier 60k, Alliant 30k, AMEX Blue 30k, Chase Sapphire Preferred 30k, BoA VISA Rewards 30k, Wells Fargo 30k, Barclays Arrival+ 30k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX ???, EXP ???, TU 780 - Dec 2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Matrix of which credit report will be pulled


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 :womanvery-happy:


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

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