topic Re: Data for Various Creditors in Credit Cards

Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 17:17:11 GMT

This data is related to my personal experience with these creditors and which credit bureaus have been used.

	NEW ACCOUNT	CLI	FREE SCORE ON CREDITOR SITE	SCORE MODEL
AMEX	EXPERIAN	SP	EXPERIAN	FICO SCORE 8
BARCLAY	TRANS UNION	N/A	TRANS UNION	FICO SCORE 8
BOA CC	EXPERIAN	HP - TRANS UNION	TRANS UNION	FICO SCORE 8
CABELA'S - CAP ONE	X	HP - EQUIFAX	N/A	N/A
CAPITAL ONE CC	ALL 3	SP	TRANS UNION	VANTAGESCORE 3.0
CHASE CC	TRANS UNION & EXPERIAN	N/A	TRANS UNION	VANTAGESCORE 3.0
CITI	EQUIFAX & EXPERIAN	SP	EQUIFAX	FICO SCORE 8
BEST BUY VISA - CITI	EQUIFAX	N/A	N/A	N/A
DISCOVER	ALL 3	SP	TRANS UNION	FICO SCORE 8
FNBO	EXPERIAN	HP - EXPERIAN	EXPERIAN	FICO SCORE 8
SEARS - CITI	EXPERIAN	SP	N/A	N/A
SYNCHRONY - WALMART & AMAZON	TRANS UNION	SP	TRANS UNION	FICO SCORE 8
TARGET - TD BANK	TRANS UNION	N/A	N/A	N/A
US BANK	TRANS UNION	SP	TRANS UNION	VANTAGESCORE 3.0
WELLS FARGO - PROPEL AMEX	EQUIFAX	SP - VIA PHONE	EXPERIAN	FICO BANKCARD SCORE 2

Re: Data for Various Creditors

Anonymous — Tue, 31 Oct 2017 16:03:12 GMT

Nice table! I am surprised Disco 3x'd you -- that stinks.

Just a couple things to add. 1) Whether the free score is FICO 08, FICO Bankcard, FAKO, etc. and 2) Kohls is Cap1.

Re: Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 16:19:28 GMT

Thanks Grasshopper! I thought about adding that initially, but I was worried about making the table too big & didn't want to shrink it down too much!

But maybe I'll add that info since someone thinks it would helpful!

Re: Data for Various Creditors

HeavenOhio — Tue, 31 Oct 2017 16:58:17 GMT

@Anonymous wrote:
2) Kohls is Cap1.

Menards is too.

Re: Data for Various Creditors

LadyJEsq — Tue, 31 Oct 2017 17:32:43 GMT

I thought US Bank was a HP CLI unless it's $1500 and under. Anyway, thanks for sharing!

Re: Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 18:44:55 GMT

LadyJEsq, my cli from US Bank was a sp for $4k in September. However, I have read the same thing about their cli requests ($1,500 max to avoid a hp), so I waited a VERY long time before attempting!

Re: Data for Various Creditors

Adkins — Tue, 31 Oct 2017 18:52:53 GMT

I just applied for & got a Target card - they hard pulled Equifax. Edited to add: I wonder if which one they pull is region specific?

Re: Data for Various Creditors

LadyJEsq — Tue, 31 Oct 2017 19:23:11 GMT

What do you consider to be a very long time? I received an auto CLI back in June but I've held off on requesting a CLI because of the potential for HP (I assume all CLIs will be HP and happy if they aren't, but there is higher chance due to the DPs others have posted). However, I've had the card for just over a year now, and have never requested one, so I'm interested. Especially with the SL they're dolling out as of late.

Re: Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 19:47:26 GMT

I opened my account in October 2015, so I waited almost two years to request a cli. I had never received an auto cli and sat at $5k that entire time. At that point, it was worth the chance of a hp to me since my reports were nearly clear of inquiries.

Re: Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 19:49:38 GMT

Hi adkins - it may depend on where you live, definitely; I live in IN.

Re: Data for Various Creditors

Adkins — Tue, 31 Oct 2017 20:37:53 GMT

@Starting_Over2013 wrote:
Hi adkins - it may depend on where you live, definitely; I live in IN.

Interesting. I'm actually glad they didn't HP TransUnion, it's my lowest score!

Re: Data for Various Creditors

Starting_Over2013 — Tue, 31 Oct 2017 21:01:48 GMT