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Who does Wells Fargo pull?

Frequent Contributor

Who does Wells Fargo pull?

What CRA does WF pull for their unsecured cards? Also is it a HP or soft with them for CLIs? I have 2 HPs on each report right now, and would like to know in advance.

 Banking with them for 3 yrs and would like to give it a shot.

 

Thanks!!!


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 1 of 18
17 REPLIES
Contributor

Re: Who does Wells Fargo pull?

I just opened an account there 2 days ago, they pulled Experian for me. I am in WA State.

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 18k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 13k, NFCU NR MC 10k, Sams Discvr 10k, Sportsmans Visa 11.5k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 14k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 16k, JCPenneys MC 7k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS MC 5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 6.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 5k, Macys 2k, Vystar CU Visa 5k
Message 2 of 18
Frequent Contributor

Re: Who does Wells Fargo pull?


teddybearkelli1 wrote:

I just opened an account there 2 days ago, they pulled Experian for me. I am in WA State.


thanks!


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 3 of 18
Valued Contributor

Re: Who does Wells Fargo pull?

Here is California they pulled TU only for both Secured and an Unsecured CC apps in 2011, and all 3 for a Mortgage app in 2009.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 4 of 18
Frequent Contributor

Re: Who does Wells Fargo pull?

Thanks P-

 

Anyone in CO have one?


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 5 of 18
Established Contributor

Re: Who does Wells Fargo pull?

They pulled EX for my credit card (applied online) and TU for my auto loan (applied in branch)

 

They SP for CLIs UNLESS you want an instant decision, then they say its going to be a HP. But I've done it both ways and its always been SP for me.

 

I'm in Nebraska BTW.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 6 of 18
Valued Contributor

Re: Who does Wells Fargo pull?

I have a secured CC through WF and ;here in NV they pulled Equifax and just noticed that they do my AR soft pull with Experian. Both of my parents applied and go approved for their unsecured card and they pulled EQ for both of them.

gardening since 5/21/2016
Message 7 of 18
Frequent Contributor

Re: Who does Wells Fargo pull?

Thanks all this is helping...starting to see a trend with Experian


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 8 of 18
Highlighted
Moderator Emeritus

Re: Who does Wells Fargo pull?

I'm in Florida and they pulled EX.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 9 of 18
Frequent Contributor

Re: Who does Wells Fargo pull?

I'm from Atlanta and they did TransUnion, although I'm from Miami before I headed here for college.

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 10 of 18