Question about how lenders pull credit reports

salek10 — Sun, 25 May 2014 23:21:55 GMT

I recently tried to pull my free annual report (first time ever) from Equifax, and I got a message saying that EQ could not identify me so I had to request it by mail. I'll take care of that later on this week. My question is, If I apply for a credit card, will the lending bank/financial institution be able to obtain my EQ report?? will they pull the other 2 instead??

my Discover IT shows me my TU FICO so I assume TU has no problem identifying me, and I also got an EX score when I applied for my Chase Freedom, so i think the only problem is EQ idk

Re: Question about how lenders pull credit reports

gdale6 — Sun, 25 May 2014 23:41:04 GMT

@salek10 wrote:
I recently tried to pull my free annual report (first time ever) from Equifax, and I got a message saying that EQ could not identify me so I had to request it by mail. I'll take care of that later on this week. My question is, If I apply for a credit card, will the lending bank/financial institution be able to obtain my EQ report?? will they pull the other 2 instead??

my Discover IT shows me my TU FICO so I assume TU has no problem identifying me, and I also got an EX score when I applied for my Chase Freedom, so i think the only problem is EQ idk

No, creditors will not have a problem pulling your report. Since its your first request to view your report they want to verify your ID, this is all I would write into this scenario.

topic Re: Question about how lenders pull credit reports in General Credit Topics

Question about how lenders pull credit reports

Re: Question about how lenders pull credit reports