topic Re: FNBO, which credit bureau do they pull from? in Credit Card Approvals

FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 17:03:05 GMT

I received a invitation for an Amex from FNOB. I have 11 inqs on EX , 7 on TU and 10 on EQ.

Is FNOB inq sensitive? I was also wondering what CB's they use? thanks.

I'm in the garden, but the struggle is REAL to stay in it. LOL

Re: FNBO, which credit bureau do they pull from?

CreditCuriosity — Wed, 26 Aug 2015 18:00:57 GMT

Believe Equifax. I believe they are new account/inquiry sensitive as well

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 18:08:23 GMT

Thanks for the info. Think I'll file 📁 13 this offer.

Re: FNBO, which credit bureau do they pull from?

FinStar — Wed, 26 Aug 2015 18:09:00 GMT

FNBO typically pulls Experian.

OP, you can check the credit pulls database (via Google) to gauge anecdotal information on the specific FNBO product you're applying for.

Re: FNBO, which credit bureau do they pull from?

FinStar — Wed, 26 Aug 2015 18:15:25 GMT

@Gmood1 wrote:
Thanks for the info. Think I'll file 📁 13 this offer.

Probably a wise decision. FNBO is very conservative and are new accounts/inquiry sensitive. You likely saved yourself an unnecessary HP.

Re: FNBO, which credit bureau do they pull from?

Anonymous — Fri, 28 Aug 2015 01:18:40 GMT

They pulled EX for me when I tried for their 6+% APR Amex. They pulled TU EQ when I tried for their SavingStar Amex. I was denied both for too many inquiries, then they sent me pre-qual mailers for secured versions for both of those cards... lol. They also pull IDA (now SageStream) and ARS, which is why I was denied for too many inquiries.

Edit: Sorry, after looking at my credit reports again I realized that FNBO pulled EQ for the SavingStar card, not TU. But they definitely pulled EX for the FNBO Amex card.

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 18:15:31 GMT

Thank you Fin, I looked and it was a split between EX and EQ. My EX is obviously the better report. After reading the archives here. It makes me a little nervous. Lol

I've yet to be denied. It would be a bummer to hit the wall now. I got all the way to the submit button and closed the page. Ha ha

Re: FNBO, which credit bureau do they pull from?

FinStar — Wed, 26 Aug 2015 18:21:39 GMT

I wouldn't pull the trigger unless you were absolutely certain that your profile was strong enough for the approval. Then again, if you want to do it in the name of science, sure

The only thing though, if declined, they're certainly known for futile reconsideration experiences.

Re: FNBO, which credit bureau do they pull from?

CreditCuriosity — Wed, 26 Aug 2015 18:22:23 GMT

@FinStar wrote:
FNBO typically pulls Experian.

OP, you can check the credit pulls database (via Google) to gauge anecdotal information on the specific FNBO product you're applying for.

hmmm you are right, just pulled it up.. Wonder why I was thinking equifax? Cause they give equifax ficos? Anyways thanks for clearing that up as I was wrong OP.. Listen to Finstar

Re: FNBO, which credit bureau do they pull from?

Anonymous — Wed, 26 Aug 2015 18:22:49 GMT

@Gmood1 wrote:
Thank you Fin, I looked and it was a split between EX and EQ. My EX is obviously the better report. After reading the archives here. It makes me a little nervous. Lol

I've yet to be denied. It would be a bummer to hit the wall now. I got all the way to the submit button and closed the page. Ha ha

If you received an invite, then I say go for it! If I'm not mistaken, those invites are pretty solid.

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 18:30:11 GMT

So there's hope? It has codes.

Re: FNBO, which credit bureau do they pull from?

Anonymous — Wed, 26 Aug 2015 18:34:02 GMT

@Gmood1 wrote:
So there's hope? It has codes.

Yes there is definitely hope, as long as your reports haven't changed drastically since they mailed out the invite. They don't just send those out to everyone

Re: FNBO, which credit bureau do they pull from?

FinStar — Wed, 26 Aug 2015 20:03:00 GMT

@CreditCuriousity wrote:
@FinStar wrote:
FNBOpre-approval pulls Experian.

OP, you can check the credit pulls database (via Google) to gauge anecdotal information on the specific FNBO product you're applying for.
hmmm you are right, just pulled it up.. Wonder why I was thinking equifax? Cause they give equifax ficos? Anyways thanks for clearing that up as I was wrong OP.. Listen to Finstar

You would also be right as far as who else they HP They can pull either (depending on the product or region) it just happens that EX tends to be the most widely used for FNBO. As far as the FICO scores they provide, those are from EX.

OP - for the most part, FNBO preapproval offers tend to be fairly solid as stated by JustMe3. The caveat to that would be if any drastic changes occurred from the time that the offer was made and the time you apply then your chances for an approval would also diminish. Something to consider if you decide to pull the trigger.

Re: FNBO, which credit bureau do they pull from?

kdm31091 — Wed, 26 Aug 2015 20:07:05 GMT

You should trust your gut...you have a pretty high number of inqs, etc. I'd probably just shred the offer and go for it later. They are conservative and not known for recons so if you get declined it's just a wasted HP. But, if you want to proceed, good luck!

Re: FNBO, which credit bureau do they pull from?

emptypockets — Wed, 26 Aug 2015 20:08:17 GMT

I am in MI, and they pulled EX for me. I had a pre-approval for the AMEX last month. My score is in my signature I have approx 7 new accounts since last year, and was approved for $15k. I had 11 INQs on EX at the time of the app.

No pressure though, don't app if you don't think you can be approved.

Re: FNBO, which credit bureau do they pull from?

ddemari — Wed, 26 Aug 2015 20:30:18 GMT

They have pulled EX for me before earlier this year. They are a hard one to get in with, your profile should be looking prerry up to par for a good chance at approval.

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 20:36:23 GMT

Thanks guys for your help. My EX report is clean as a whistle. The other two still have a foreclosure on them. Due to drop off in May of next year. I have a lot of new accounts but none in the last two months.

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 20:38:04 GMT

The invitation says I have till Oct to apply.

Re: FNBO, which credit bureau do they pull from?

Anonymous — Wed, 26 Aug 2015 21:03:06 GMT

@Gmood1 wrote:
Thanks guys for your help. My EX report is clean as a whistle. The other two still have a foreclosure on them. Due to drop off in May of next year. I have a lot of new accounts but none in the last two months.

That would give me pause in app'ing. There is no guarantee the FNBO will pull your EX, and they are known to pull other credit bureaus that are less known to the public (I mentioned 2 of them earlier). I don't know if they pull Innovis too, but I would be leary of app'ing until you know for sure what is showing on those other bureaus (they may have that foreclosure showing). It might be best just to wait until that falls off next May.

Re: FNBO, which credit bureau do they pull from?

Gmood1 — Wed, 26 Aug 2015 22:40:32 GMT

Guess I'll pump my brakes. And wait it out. Once the one baddie falls off. My reports will be flawless.