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Matrix of which credit report will be pulled

Frequent Contributor

Matrix of which credit report will be pulled

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

 

 

 

 

Message 1 of 30
29 REPLIES
Senior Contributor

Re: Matrix of which credit report will be pulled

check out the site whogavemecredit.com that may help

Message 2 of 30
Mega Contributor

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?




EQ FICO 548 3/3/16
Message 3 of 30
Moderator Emerita

Re: Matrix of which credit report will be pulled

Message 4 of 30
Senior Contributor

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


Take the FICO Fitness Challenge
Message 5 of 30
Valued Contributor

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
Message 6 of 30
Moderator Emeritus

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 7 of 30
Super Contributor

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?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 30
Frequent Contributor

Re: Matrix of which credit report will be pulled


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.

  

 

Message 9 of 30
Valued Contributor

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 Woman Very 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
Message 10 of 30