topic Re: What credit bureau do specific banks pull? in Credit Card Applications

What credit bureau do specific banks pull?

revjamesl — Mon, 27 Apr 2015 00:19:02 GMT

I've seen a list before giving information on what bureaus specific banks pull. Anyone have a link? Thanks.

Re: What credit bureau do specific banks pull?

Skye12329 — Mon, 27 Apr 2015 00:31:06 GMT

I think your best bet would be to google the credit pulls database. It allows you to narrow down a particular credit lender for your area for whom they pull.

The only ones i know that will a certain bureau like 100% of the time is:

Barlcays - TU

American Express - EX

Capital One - all 3

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 27 Apr 2015 00:56:08 GMT

Personal experience, no warranty.

Re: What credit bureau do specific banks pull?

revjamesl — Mon, 27 Apr 2015 00:53:36 GMT

Skye, thank you.

Re: What credit bureau do specific banks pull?

revjamesl — Mon, 27 Apr 2015 00:54:32 GMT

Giv, thank you.

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 27 Apr 2015 00:57:06 GMT

In my case all the cards i app pull transunion , just discover pull equifax.

Re: What credit bureau do specific banks pull?

uswala — Mon, 27 Apr 2015 02:31:02 GMT

@Anonymous wrote:

Personal experience, no warranty.

This has been pretty much the case for me but US Bank has pulled EQ for both my approvals.

Re: What credit bureau do specific banks pull?

ddemari — Mon, 27 Apr 2015 22:53:08 GMT

Nice chart!

Re: What credit bureau do specific banks pull?

NP27 — Wed, 06 May 2015 04:18:16 GMT

What state are you in uswala?

Re: What credit bureau do specific banks pull?

Anonymous — Wed, 06 May 2015 06:03:47 GMT

They will pretty much pull any of the three and if you are teetering on the edge they may pull all three and one or two of the shadow CRAs just for fun.

Re: What credit bureau do specific banks pull?

04Cobra — Wed, 06 May 2015 06:44:54 GMT

Nordstrom- All 3

Re: What credit bureau do specific banks pull?

Anonymous — Wed, 10 Jun 2015 15:11:45 GMT

@Anonymous wrote:

Personal experience, no warranty.

Thank you! One question, when you list EX Fico Score 4, this that something we can pull?

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 15 Jun 2015 13:41:50 GMT

What is Fico Score 5 on TU and EX?

Re: What credit bureau do specific banks pull?

CreditCuriosity — Mon, 15 Jun 2015 13:50:22 GMT

@Anonymous wrote:
@Anonymous wrote:

Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?

Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 15 Jun 2015 15:21:03 GMT

SunTrust bank pulled TU for me on my Auto Loan on May 30th.

It would be interesting to find out if they'd use the same HP to apply for a credit card/bank account with them? they are based in OHIO

Anyone know this bank well

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 15 Jun 2015 15:42:24 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:

Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB

Actually I did pull from here, and that is why I asked - I pulled on June 1st and Fico score 04 is only listed on TU. If it is the same score on the other bureuas, the mortgage score, on EQ it is called Fico 5 and on Ex it is called score 2. But there are also bankdcard scores as well, TU has mortgage score Fico4 and Bankcard 4, as far as I can see EQ and EX have no scores with the number 4 in them. That is why I am confused and could use a little help.

Thanks!

Re: What credit bureau do specific banks pull?

CreditCuriosity — Mon, 15 Jun 2015 16:17:34 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:

Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB
Actually I did pull from here, and that is why I asked - I pulled on June 1st and Fico score 04 is only listed on TU. If it is the same score on the other bureuas, the mortgage score, on EQ it is called Fico 5 and on Ex it is called score 2. But there are also bankdcard scores as well, TU has mortgage score Fico4 and Bankcard 4, as far as I can see EQ and EX have no scores with the number 4 in them. That is why I am confused and could use a little help.

Thanks!

04 equivalents for each CB one the scores you see would be the lender scores being for TU it would be 04, Equifax it would be Fico 5 and Experian Fico 2.. Hope this helps clear up the confusion you might be having. So yes use the Mortgage scores which you have correct as some banks use those such as US Bank for example. Most CC Companies use Fico 08, although some use other scores as well as there are literally 100's if not 1000's of itererations of Fico scores with twists. Most big banks use Fico 08 now days with a possible internal scoring method as well, with the exception of some like us Bank that uses the mortgage scores, but have also heard they have used CC enchanced scores as well, so it gets pretty confusing at least to me.

With that said, scores usually are only a mild guage of your credit health.. Don't count on those alone as it is your credit profile that creates the score and ultimately is what will get you approved or declined for a credit product, not the score. Being utilization, Iniquires, DTI among many other factors

Re: What credit bureau do specific banks pull?

Anonymous — Mon, 15 Jun 2015 16:29:00 GMT

Nixon is correct! At time of discover app 645 and they pulled eq and ex!!

Re: What credit bureau do specific banks pull?

bk510 — Thu, 18 Jun 2015 09:30:37 GMT

@uswala wrote:
@Anonymous wrote:

Personal experience, no warranty.
This has been pretty much the case for me but US Bank has pulled EQ for both my approvals.

For me Discover pulls EQ, and Synchrony pulls TU, with everything else being same.

I'm in So Cal.

Re: What credit bureau do specific banks pull?

zarteycranford — Thu, 18 Jun 2015 10:56:02 GMT

Nice list.