What CR do these cards pull from?

audia4 · ‎02-15-2014

I have been trying to research and get my "ducks in a row" before trying for some new cards and I'm trying to figure out where these agencies pull from.

I have tried the CreditPulls website and of course I get mixed answers on there (some people in my area report one agency and others report other agencies).

Then I look up some and they are VERY old (2011 and under), so that doesn't help.

If anyone knows which report these pull, please let me know your experience. (I'm in Ohio)

Discover (it) maybe EQ?

Citi I'm coming up with EX and EQ but they are old

BOA EX?

Barclay TU

Sallie Mae

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000

clocktick · ‎02-15-2014

For me personally....

Discover - TU always, every time

Citi - EQ - for everything - their Diamond/Dividend/HHH/Shell card

BOA - EX, for all 3 cards I applied for

Barclays - TU for Priceline and LLBean Visa, I'm pretty sure they almost always pull TU

I live in NY...

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800

Starting Score: 648
Current Score: 736
Goal Score: 765

Take the FICO Fitness Challenge

dumaine · ‎02-16-2014

Personally.....

Discover TU

BoA EX

Citi EX for app EQ for cli when I activated it

Barclays TU

I'm in Michigan

wHiTeSoL · ‎02-16-2014

You're best resource is a credit pulls database kept by other users on another forum. Google "credit pulls" and you should find it.

Vegas247 · ‎02-16-2014

Barclay - TU (phone app) done 3 weeks ago

Discover It - EQ (phone app) Salt Lake City Utah call center.......done 17 days ago

$600

Barclaycard® Rewards MasterCard® - Average Credit

$6500

Blue Cash Everyday® Card from American Express

$30k

16k

12k VSiggy

indiolatino61 · ‎02-16-2014

@Vegas247 wrote:
Barclay - TU (phone app) done 3 weeks ago
Discover It - EQ (phone app) Salt Lake City Utah call center.......done 17 days ago

I can't see what you wrote...LOL...!

Revelate · ‎02-16-2014

Reason for the mixed results is that big lenders can pull any of the three easily.

If you see different results in the same area, it can be any of them. Beyond that you may be able to get a sense of what the distribution pattern is though, if it's a 80/20 EQ/TU split as an example and try to judge off that.

Swapmeet · ‎02-16-2014

For me, in Los Angeles, CA, Discover pulled eq for the initial app and tu for a cli.

My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie

gdale6 · ‎02-16-2014

For me in ID:

Discover & Barclay = TU

Citi = EX & EQ

BofA - No dealings with..

audia4 · ‎02-16-2014

@wHiTeSoL wrote:
You're best resource is a credit pulls database kept by other users on another forum. Google "credit pulls" and you should find it.

@audia4 wrote:

I have tried the CreditPulls website and of course I get mixed answers on there (some people in my area report one agency and others report other agencies).

Then I look up some and they are VERY old (2011 and under), so that doesn't help.

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000