topic Which Banks pull only Equifax for Oregon Applications in Credit Card Applications

Which Banks pull only Equifax for Oregon Applications

AyaMai — Tue, 15 Nov 2022 02:48:47 GMT

Comments are appreciated.

Re: Which Banks pull only Equifax for Oregon Applications

OmarGB9 — Tue, 15 Nov 2022 06:05:23 GMT

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/6379773?search-action-id=241910918484&search-result-uid=6379773

Not many. The only one I see if Langley FCU.

Re: Which Banks pull only Equifax for Oregon Applications

Bk2006 — Tue, 15 Nov 2022 14:01:00 GMT

Truist pulls only EQ, but I think they may be geofenced (Southeast and Mid-Atlantic states only). For some reason EQ is the most common bureau for "local" banks and CUs to pull here in the Southeast.

Re: Which Banks pull only Equifax for Oregon Applications

Anonymalous — Tue, 15 Nov 2022 20:45:05 GMT

@Bk2006 wrote:
Truist pulls only EQ, but I think they may be geofenced (Southeast and Mid-Atlantic states only). For some reason EQ is the most common bureau for "local" banks and CUs to pull here in the Southeast.

I think that's true for CUs in general, so looking at local CUs would be an obvious place to start. The downside is it's really hard to find good DPs on most CUs, because there are so many and they're too small.

Re: Which Banks pull only Equifax for Oregon Applications

FireMedic1 — Wed, 16 Nov 2022 20:02:23 GMT

@AyaMaiWith all due respect. You keep asking about products, scores, and the March collections. I posted that the CA on your reports can be PFD. Get that done first. Scores go up. Better chances for approvals and lower APR's. Get the baddies in the past.

https://ficoforums.myfico.com/t5/Credit-Cards/35-spending-of-my-credit-limit-on-Discover-will-it-help-me-get/m-p/6614345#M1833730