topic Re: Do any credit cards only hard pull from Equifax? in Credit Card Applications

Do any credit cards only hard pull from Equifax?

Larzipan — Mon, 01 Jan 2024 16:56:24 GMT

Hey, everyone! So, I've noticed that I have 3 recent hard pulls on my TransUnion report as all three of the hard pulls from cards I've applied for lately (PayPal Mastercard, TJ Maxx Mastercard, Amex Green Card) show there.

I also have 2 hard pulls on Experian, just from the Amex and TJX card but not the PayPal despite it being from Syncrony bank like the TJX card.

Meanwhile, my Equifax report shows 0 hard pulls.

I've heard of the strategy of freezing one report to force a bank to pull from another. However, I'm also curious if there are any credit card applications that are known to pull from Equifax only?

For my own strategy, at the end of the day, I don't have many hard pulls or any immediate plans for additional cards, and the points I'd lose from another inquiry would be minimal, so it may not matter much. Still, I'm interested in whether any specific cards users have here do only pull from Equifax. It seems TransUnion is the most common based on my own experience.

Thank you in advance!

Re: Do any credit cards only hard pull from Equifax?

GTS — Mon, 01 Jan 2024 17:09:18 GMT

@LarzipanI can say from experience that Redwood Credit Union pulls your EQ FICO 5 for all of their. Credit products and also any CLIs on CC. I've also heard that this is common to pull only EQ for most credit unions.

Re: Do any credit cards only hard pull from Equifax?

ShreksBFF — Mon, 01 Jan 2024 17:35:38 GMT

PenFed is EQ

Re: Do any credit cards only hard pull from Equifax?

911gt34life — Mon, 01 Jan 2024 21:30:14 GMT

citizens Bank and Best Buy upgraded plus which also use citizens Bank

Re: Do any credit cards only hard pull from Equifax?

Larzipan — Tue, 02 Jan 2024 18:21:48 GMT

Awesome, thank you for the replies! I've also read the Citi Double Cash card pulls from Experian or Equifax depending on the state you live in, and that's a card I'm considering. It seems that based on my state, it's likely Experian, and I could probably force Equifax to be pulled by freezing Experian (not sure if I'm actually going to do any of this). Does anyone who has gotten the Citi card have insight regarding where it pulled from?

Re: Do any credit cards only hard pull from Equifax?

BuckyB — Tue, 02 Jan 2024 22:50:19 GMT

I'm in California with EX and TR frozen and EQ unfrozen. About 2 weeks ago I applied for several cards, including one from Citibank. They tried to pull Experian and then sent me a letter saying I would have to unfreeze it. They did NOT try to pull Equifax.

Re: Do any credit cards only hard pull from Equifax?

ShreksBFF — Wed, 03 Jan 2024 22:27:38 GMT

Marcus GM Business card is also EQ

Re: Do any credit cards only hard pull from Equifax?

vinathi — Tue, 09 Jan 2024 21:01:40 GMT

DCU as well.

Re: Do any credit cards only hard pull from Equifax?

JtAlmond — Tue, 26 Mar 2024 02:53:09 GMT

I applied for the Citi Double Cash today. I thought I unfroze my Ex but didn't and saw where Citi was denied looking at Ex but pulled my Eq. I got the 7-10 day wait message for the reason for denial letter.

I have 773 FICO and hold the Cusom Cash since 06/23 oldest 3 yr, AA of A 2 yr, PIF 100%. I have 5/24, 2/12 one of which was a Citi pull when I was approved for CCC the other pull was a used car lot I didn't finance from. 0/6. Income 58.5K, $0 housing. 3% util.

Re: Do any credit cards only hard pull from Equifax?

LendMeTheLoot — Tue, 02 Apr 2024 10:04:39 GMT

@911gt34life wrote:
citizens Bank and Best Buy upgraded plus which also use citizens Bank

I didn't know they had a credit product with citizens. I'll have to check it out.

Re: Do any credit cards only hard pull from Equifax?

MitchDeerfield — Tue, 02 Apr 2024 14:11:13 GMT

What does it matter if a bank pulls from three credit bureaus or just one? Are you saying it lowers your FIC0 score more if the bank pulls from all three?

Inquiring minds want to know.

Re: Do any credit cards only hard pull from Equifax?

FicoMike0 — Wed, 03 Apr 2024 01:32:59 GMT

The hard pull only effects score from the cra it's pulled from. If your three fico8 scores vary by much, the low one likely has more pulls.

Re: Do any credit cards only hard pull from Equifax?

FicoMike0 — Wed, 03 Apr 2024 01:40:10 GMT

Which banks pull which credit bureau is available here

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/6379773

I just used it last week, I applied to usb with all but tu frozen. Immediate auto approval.

Re: Do any credit cards only hard pull from Equifax?

youngandcreditwrthy — Thu, 04 Apr 2024 14:18:10 GMT

citi will most likely pull EQ and EXP

target is like the only bank I can think of (TD really) that will only pull EQ.

Disover used to be EQ heavy but now I think they do Exp.

comenity bank USED to pull EQ to approve most accounts. THe risk you run is that all banks have language that says they can pull any report any time for an permissible purpose.

Re: Do any credit cards only hard pull from Equifax?

jimmyd787 — Sun, 05 May 2024 21:15:30 GMT

equifax is weird they changed my girlfriends' birthday from sept xx 1961 to december 30 1899 i know **bleep** well she's not that old!!!!!

old report sept xx 1961 birthday was dec 2023 and the report from may 2024 says birthday is 12-30-1899 im tracing it now but i think they

have her ex-grand-mother-in-law account mixed up with hers!!!!!!

Re: Do any credit cards only hard pull from Equifax?

Rogue46 — Sun, 05 May 2024 21:24:18 GMT

Much if which bureau they will pull depends on your location, Check out the link upthread