tylaw13 wrote:Hey guys i was wondering who pulls primarily TU i live in southern California and my TU has the least amount of inquiries i think like 6 now compared to 19 on EX who EVERYBODY seems to pull around here. My reports are clean no baddies at all 4 cards 1 auto loan i think im hovering around 675 for all of them
Most GE backed cards, Barclay's. Maybe some CU's that I don't know offhand.
I'm in the same boat as you with everyone wanting my EX report unless I go out of my way to get inquiries somewhere else (like opening up accounts at EQ pulling CU's but I digress); interesting enough though, BOFA actually appears to use TU for all their CLI's even with me and my having lived in S. Cali for 7.5 years, so I'm simply using my relationship with them to hit my TU report which I don't care much about other than for mortage or possibly car loan purposes otherwise.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)
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For me discover pulled both from EQ & TU.
I understood most CUs prefer EQ and GE is TU friendly.
Amex surprised me with TU pull when I was expecting a EX pull...I pulled data from whogavemecredit.com and did research a bit to find Amex will go for EX but only to be proven wrong with a TU pull. Amex made 3 inquiries (one in each) to deny my app eventually :-(
Starting Score: 555 (EQ FICO 06/20/12)
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