topic Re: Which bureau used for CLI for these cards/banks? in Credit Card Applications

Which bureau used for CLI for these cards/banks?

collics — Wed, 08 Mar 2023 21:27:38 GMT

Hi all. Sorry if this isn't the right forum.

If you all could help me please identify which report and fico model are reviewed when req CLI for these cards? And if I'm correct on a few?

PayPal credit- ?

Cap One (Savor, Walmart, QS)- ?

Amex - ?

Target- ? (I know we can't req on our own)

NFCU- EQ Fico 9? (the one on the app)

Discover- Experian?

Apple- TU Fico 9 luckily they send email with score and model if denied CLI

Re: Which bureau used for CLI for these cards/banks?

PNWRambler — Wed, 08 Mar 2023 19:37:36 GMT

Someone correct me if I'm wrong, but here's what I've found:

PPC - EQ / vantage (soft pull)
CapOne - Any of the 3
AmEx - Experian, but can be all 3 (soft pull)
Target - Any of the 3

Discover - Any of the 3, leans towards Equifax

Re: Which bureau used for CLI for these cards/banks?

collics — Wed, 08 Mar 2023 20:45:46 GMT

@PNWRambler wrote:
Someone correct me if I'm wrong, but here's what I've found:

PPC - EQ / vantage (soft pull)
CapOne - Any of the 3
AmEx - Experian, but can be all 3 (soft pull)
Target - Any of the 3

Discover - Any of the 3, leans towards Equifax

Very helpful. Thanks for that.

Re: Which bureau used for CLI for these cards/banks?

Beefy1212 — Wed, 08 Mar 2023 23:16:20 GMT

@collics wrote:
@PNWRambler wrote:
Someone correct me if I'm wrong, but here's what I've found:

PPC - EQ / vantage (soft pull)
CapOne - Any of the 3
AmEx - Experian, but can be all 3 (soft pull)
Target - Any of the 3

Discover - Any of the 3, leans towards Equifax
Very helpful. Thanks for that.

Discover is Experian

ppc is transunion

/edit PPC maybe be eq, I was thinking of PPMC which is transunion.

Re: Which bureau used for CLI for these cards/banks?

Anonymous514 — Thu, 09 Mar 2023 10:22:57 GMT

GL with target I've had it for 2 years now still no increase. Granted I seldom even use it lol.

Re: Which bureau used for CLI for these cards/banks?

collics — Thu, 09 Mar 2023 16:05:47 GMT

@Anonymous514 wrote:
GL with target I've had it for 2 years now still no increase. Granted I seldom even use it lol.

Oh trust me i know. I've had mine since 2016. Haven't had an increase since maybe 2017. Trying to see what report they're reviewing.

Re: Which bureau used for CLI for these cards/banks?

GTS — Fri, 10 Mar 2023 01:54:06 GMT

@PNWRambler wrote:
Someone correct me if I'm wrong, but here's what I've found:

PPC - EQ / vantage (soft pull)
CapOne - Any of the 3
AmEx - Experian, but can be all 3 (soft pull)
Target - Any of the 3

Discover - Any of the 3, leans towards Equifax

Cap1 and Disco are both SP for CLI requests

Re: Which bureau used for CLI for these cards/banks?

RealEstateGuy89 — Fri, 10 Mar 2023 18:45:34 GMT

@collics NFCU pulls TransUnion for new credit products and EQ for CLI's.

Are you referring to the PayPal Cashback Mastercard when asking about PatPal Credit? If so, it was TransUnion the other day for me.

Discover pulled Experian for me. GL.

Re: Which bureau used for CLI for these cards/banks?

collics — Sun, 12 Mar 2023 14:21:54 GMT

@RealEstateGuy89 wrote:
@collics NFCU pulls TransUnion for new credit products and EQ for CLI's.

Are you referring to the PayPal Cashback Mastercard when asking about PatPal Credit? If so, it was TransUnion the other day for me.

Discover pulled Experian for me. GL.

Hi I'm referring to Pay Pay Credit (line of credit), not the card.

Re: Which bureau used for CLI for these cards/banks?

RealEstateGuy89 — Mon, 13 Mar 2023 05:12:12 GMT

@collics wrote:
@RealEstateGuy89 wrote:
@collics NFCU pulls TransUnion for new credit products and EQ for CLI's.

Are you referring to the PayPal Cashback Mastercard when asking about PatPal Credit? If so, it was TransUnion the other day for me.

Discover pulled Experian for me. GL.
Hi I'm referring to Pay Pay Credit (line of credit), not the card.

@collics Oops, my bad. I'm not a seasoned PayPal customer so I don't know as much about the credit line. Thanks for letting me know and I wish you the best of luck!

Re: Which bureau used for CLI for these cards/banks?

Anonymalous — Mon, 13 Mar 2023 15:15:01 GMT

Cap1 tends to use their last soft pull. Which you can see if you pull your three bureaus from AnnualCreditReport.com.

Re: Which bureau used for CLI for these cards/banks?

collics — Mon, 13 Mar 2023 15:24:25 GMT

@Anonymalous wrote:
Cap1 tends to use their last soft pull. Which you can see if you pull your three bureaus from AnnualCreditReport.com.

Wow yeah I found the denial letter from January 2023 and it says they pulled EQ report from Nov 2022. geesh.