topic Re: Where do company’s pull from in Credit Card Applications

Where do company’s pull from

Anonymous — Wed, 21 Feb 2018 02:17:59 GMT

Im in the process of fixing my credit

As it stands

I have a

680 trans
620 experian
760 equifax

Obviously was wondering what banks and cards use equifax

Also the reason my scores are sodifferent i have 1 account that is in collections on my trans and exp and i my highest credit card limit that i only use 10% on it doesnt report to experian

Thanks

Re: Where do company’s pull from

thornback — Wed, 21 Feb 2018 02:29:33 GMT

Google "Credit Pulls Database" -- that will help you find the answer you seek.

You only need to select your state and the credit bureau (leave "Creditor Name" & "Score Needed" blank).

Good Luck!

Re: Where do company’s pull from

HeavenOhio — Wed, 21 Feb 2018 05:55:21 GMT

Welcome, @Chache55!

It's probably easier if you ask about the banks you're interested in. But here's a short list off the top of my head, subject to correction from others.

Bank of America: EX to apply, hard pull from TU for CLI (credit limit increase) requests
Capital One: All three bureaus to apply; soft pull from whomever for CLI requests
Chase: EX for sure and probably one more bureau, both for applying and for CLI requests
AMEX: EX; it's rare that they pull anyone else. Your application for your first card will be a hard pull. Second and subsequent cards may be either a hard or soft pull. CLI requests are soft pulls, with very rare outlier reports of hard pulls.
US Bank: TU
PenFed: EQ
Synchrony: Almost always TU. CLIs are usually soft pulls.
Barclays: TU

Re: Where do company’s pull from

Anonymous — Wed, 21 Feb 2018 06:03:01 GMT

In addition to the above, also note that sometimes the same lender may pull different bureaus depending on geolocation.

Chase pulls TU and EX in my area, but I've also read about them pulling EQ elsewhere. Discover pulls TU only in my area, but they also use EQ in other locations.

Re: Where do company’s pull from

Anonymous — Wed, 21 Feb 2018 06:53:55 GMT

Thanks everyone

Re: Where do company’s pull from

Anonymous — Wed, 21 Feb 2018 08:29:40 GMT

I can say from experience Citi will use all reports. There is no real middle ground. Just a luck of the draw.

Re: Where do company’s pull from

trusty — Wed, 21 Feb 2018 10:47:16 GMT

Keep in mind that you are in control. If only one of your reports is unfrozen, than only those credit issuers - that pull that particular report - will give you a decision.

However, even with a few isolated negatives... it's still possible obtain an approval; even if you have to request manual reconsideration.

Ultimately, if you're determined to acquire certain card products... you just have to keep working towards the goal; by gradually improving your overall credit profile.

Even if you don't get approved for everything right away... keep up the good work; and then try reapplying in six months to a year.

Re: Where do company’s pull from

trusty — Wed, 21 Feb 2018 11:03:37 GMT

Here's the potential downside - to staggered scores, though.

A company like Citi, or Discover... may pull Equifax at the time of account opening, possibly for instant approval.

However, certain creditors have been known to use their permissible purpose, to periodically perform auto reviews with information from other credit bureaus - even when they are frozen.

So, even if you get approved... it's likely that your creditors will ultimately evaluate you based on the full scope of your credit profile, going forward.

Re: Where do company’s pull from

HeavenOhio — Wed, 21 Feb 2018 12:16:58 GMT

@trustywrote:
So, even if you get approved... it's likely that your creditors will ultimately evaluate you based on the full scope of your credit profile, going forward.

Good point. As an example, Barclays will pull TU to open accounts and for CLIs, but they'll soft-pull all three for periodic account reviews. The last time I obtained my full reports, they had pulled each bureau within the previous six weeks.

Re: Where do company’s pull from

Anonymous — Wed, 28 Feb 2018 01:31:53 GMT

Update thanks everyone they pulled my eq and i got a 10k credit line with pent fcu