QUESTION about Which CRA 3 Cards (listed) Use, Please

[Lois5669]

Hi everyone!

I am sorry if this is listed somewhere. If it is, please point me to the thread. (I usually do all my own searching here but I have a migraine today so...)

I'm curious what CRA the following cards pull scores from, please:

1. US Bank

2. Citi

3. Care Credit

Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

Thank you so much for your time and help!

[LearningMoreAboutCredit]

---

@Lois5669 wrote:

Hi everyone!

I am sorry if this is listed somewhere. If it is, please point me to the thread. (I usually do all my own searching here but I have a migraine today so...)

I'm curious what CRA the following cards pull scores from, please:

1. US Bank

2. Citi

3. Care Credit

Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

Thank you so much for your time and help!

---

IIRC,

1. Depends on region of country but EQ or TU

2. EX

3. TU

[coldnmn]

Sent you a mssage hope it helps.

[sexy_kitten7]

That's a rather complicated question.

It depends on your state and the credit card. And even then, it's no guarantee.

There are other websites that compile this info.

Most banks use EX and almost zero use EQ, so you should use your EX pulls very carefully!

[Closingracer99]

Citi pulled my Equifax when i got accepted with my Thank you and simplicty cards this week which is a good thing because most of my inquries are on my experian lol 

[takeshi74]

---

@Lois5669 wrote:

Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

---

You can easily verify directly from the source:

https://www.navyfederal.org/how-to-become-a-member/how-to-become-a-member.php

[SunriseEarth]

---

@sexy_kitten7 wrote:

That's a rather complicated question.

It depends on your state and the credit card. And even then, it's no guarantee. <----Agree

There are other websites that compile this info.

Most banks use EX and almost zero use EQ, so you should use your EX pulls very carefully!  <---Disagree

---

OP, the first answer you got was fairly accurate.   But certainly, YMMV.   IME, Care Credit pulled TU, and GE seems to pull TU about 95 times out of 100.  However, a recent post stated that EQ was HPed for their app.   

I would, however, disagree that most banks use EX.   GECRB is of the largest issuers and they seem to use TU overwhelmingly.   Discover frequently pulls EQ (they did for me), but they often pull TU.  Cap One pulls the three major CRAs (and often two minor CRAs) for their new accounts.