topic Re: List of FICO Scores Banks Are Using For Apps/CLIs? in General Credit Topics

The "Which Banks Pull Which Report For Apps" list

credit_is_crack — Sun, 25 Jul 2021 17:14:40 GMT

AS OF 07/25/21

This post is built to help others see which reports banks are pulling based on where you are -- all the data on here comes from MyFICO'rs posts. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), but it does include 2 store card exceptions (Macy's & Target).

GRID #1 = This list calls out which CRA (credit reporting agency) was pulled for specific states. These DP's (data points) are collected from approvals shared on this site. As more members share state DP's, I'll update the grid.
GRID #2 = This list calls out which version of the credit report we're seeing pulled with consistent regularity (Fico 8, Fico 9, or even mortgage scores like EX2, EQ5, etc.).

This is a very YMMV situation.

Several other factors apply and vary by lender (things such as these reasons can heavily influence your application outcome - inquiry/new account sensitive, income, forgiveness for prior behavior, total available credit, age of report, credit seeking behavior, the state you live in, etc.). This is just to share what they are most likely to pull based on reported data points.

CALL-OUTS:

Citi Bank: Most new apps/CLI's use EQ, but some cards reflect they will pull EX instead. Some members (like folks brand new to a Citi relationship, as a sample) have reported regular double-pulls, but this has not applied to everyone. When that happens be prepared for any combo (EQ/TU , EQ/EX, EX/TU)
Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.
Comenity Bank: This bank has 2 core flavors of cards ("majors" vs "minors" if you will). Majors could be viewed as co-branded cards that offer a Visa/MC option. When applying for one of these, EX is the go-to. For store-cards that do not have the Visa/MC option, EQ is the go-to. No reports were found where Comenity processed a double-pull or pulled TU
Navy FCU: Navy uses TU9 for new account HPs. Historically they exclusivly used EQ9 for CLI requests, but approval threads showcase Navy is transitioning from EQ9 to TU9 for CLI's. If a HP is required, plan that it could be a 60 TU9/40 EQ9 shot
Synchrony Bank: Synchrony historically has exclusively pulled TU, but starting in 2019 reports reflected they pulled EX. As a sample their Verizon Credit Card has shown zero consistency with which CRA they pull. Some members report a single pull, double pull and a triple pull. When they pull a single and/or double, there does not seem to be a "primary" or "preferred" CRA.
Wells Fargo: EX tends to be the 'go-to' CRA for this bank. Some card types (like Propel) have been known to pull EX + EQ. Reports have been noted that if someone applied with all CRA's frozen, when the applicant called back in to move forward they'd be advised to unlock EQ only. This is an extreme YMMV case

HOW TO READ IT:

Some banks are religiously consistent with which CRA (and version) they pull. If that bank row has a green check-mark, then this is one of those "religiously consistent"' pullers
Some banks bounce between 2 CRA's, but which one they pull seems to vary based on the state you reside along with the specific card you applied for. These are marked with the yellow exclamation points - it just means "prepare that it could be either one of the bureau's with an exclamation point"
If you see a bank listed with a green check-mark and yellow exclamation points, it means that a large part of the time they lean towards the green check-mark, but at times they will fall to a secondary report (locked reports, the bank getting errors when trying to pull their primary option, split credit profiles, state residency, etc)

GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE?

GRID #2 - WHICH BANK USES WHICH REPORT VERSION?

Re: Banks using FICO8 vs FICO9 for Apps

adamseve — Tue, 19 Mar 2019 02:15:22 GMT

@credit_is_crack wrote:
So I went on a mini-spree recently and the one thing I noticed is that more and more banks appear to have migrated to using the FICO 9 version instead of FICO 8. Just wanted to share in case anyone was curious (as I know a lot of us apply based on our best foot). This is YMMV - some folks see auto increases from F8 < F9, some see auto decreases. Not sure what's driving the divide though. I'm referring to the core FICO 8 & 9 score, not the bankcard or specialized versions.

As a sample my scores as of todays report (03/18/19):
EXPERIAN -- FICO8 (765) < FICO9 (798)
EQUIFAX -- FICO8 (764) < FICO9 (797)
TRANS UNION -- FICO8 (783) < FICO9 (800)

My "Price you pay" letter descriptions from apps over last 8-10 months. Some were for new apps, some for CLI's or mergers (Navy is known to use TU for new apps and then EQ for CLIs, I'm sure a few others do that too).

Bank of America, TU F8 (new app)
Amex, EX F8 (new app & SP CLI)
Citibank, EQ F8 (SP CLI)
Chase, EX F8 (new app)
USAA, EX F2 (HP CLI) - get with it USAA!
PNC Bank, EX F9 (new app)
US Bank, TU F9 (new app)
Synovus, EQ F9 (new app)
Navy FCU, EQ F9 (HP CLI)
PenFed FCU, EQ F9 (SP CLI)
FNBO, EX F9 (SP CLI)

Great information! Thanks for sharing!

Re: Banks using FICO8 vs FICO9 for Apps

Meanmchine — Tue, 19 Mar 2019 02:27:55 GMT

Thx CIC

Wells Fargo uses EX09 for checking/savings. Dunno about credit tho

Re: Banks using FICO8 vs FICO9 for Apps

credit_is_crack — Tue, 19 Mar 2019 03:23:04 GMT

@Meanmchine wrote:
Thx CIC

Wells Fargo uses EX09 for checking/savings. Dunno about credit tho

Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

Re: Banks using FICO8 vs FICO9 for Apps

credit_is_crack — Tue, 19 Mar 2019 16:21:10 GMT

Updated to include Fifth-Third Bank

Re: Banks using FICO8 vs FICO9 for Apps

JR_TX — Tue, 19 Mar 2019 21:17:23 GMT

@credit_is_crack wrote:
@Meanmchine wrote:
Thx CIC

Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

They Pulled my EX9 when they approved me Sep of last year 2018.

Re: Banks using FICO8 vs FICO9 for Apps

Anonymous — Wed, 20 Mar 2019 00:11:14 GMT

FICO EX9. It also gives me my FICO EX9 in my account. They have been using it for several years.

Re: Banks using FICO8 vs FICO9 for Apps

credit_is_crack — Wed, 20 Mar 2019 01:08:49 GMT

@JR_TX wrote:
@credit_is_crack wrote:
@Meanmchine wrote:
Thx CIC

Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

They Pulled my EX9 when they approved me Sep of last year 2018.

Thanks for the info @JR_TX and @FicoGuy2019. I added it to the list

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Caught750 — Wed, 20 Mar 2019 01:31:21 GMT

Awesome information for a single thread!

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

RickNATL — Wed, 20 Mar 2019 02:54:22 GMT

Very helpful....thank u

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

LittleSal — Wed, 20 Mar 2019 06:33:49 GMT

Great info! Thanks

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

imaximous — Wed, 20 Mar 2019 13:13:10 GMT

@credit_is_crack wrote:
Some banks have been using the FICO9 version instead of the FICO8. This is in reference to the core FICO core score, not the bankcard or another variety. In my recent apps I've been saving the "Price you Pay" letters that disclose what versions they use. Thought I'd share should anyone apply for one of these banks. This is a YMMV situation, but good to have an idea since some of us have more attractive FICO9's than FICO8's in case you chose to target specific banks based on your specific scores (increasing approval odds). Here is what we've pieced together so far.

Several other factors apply and vary by lender (inquiry/new account sensitive, income, forgiveness for bad behavior, total available credit, age of report, etc.) -- this is just to share what they are most likely to pull based on my personal experience and experiences of others shared on this forum. Hope this helps! Thanks

UPDATED 3/19/19
Bank of America: TU F8 (HP new app and SP CLI's)
American Express: EX F8 (HP new app & SP CLI's)
Citi Bank: EQ F8 (SP/HP CLI's) -- some new app's pull EX F8 so this one is very YMMV
Chase Bank: EX F8 (HP new app) -- folks brand new to Chase and in some areas usually encounter a double pull (EX F8 & EQ F8)
Fifth-Third Bank: EQ F8 (HP new app)
USAA Federal Savings Bank: EX F2 (HP CLI's) - get with it USAA!
PNC Bank: EX F9 (HP new app)
US Bank: TU F9 (HP new app)
Synovus Bank: EQ F9 (HP new app)
Navy FCU: EQ F9 (HP CLI's) -- known to pull TU for new apps and EQ for CLI's, unsure about TU version
PenFed FCU: EQ F9 (SP CLI's)
First National Bank of Omaha (FNBO): EX F9 (SP CLI's)
Wells Fargo: EX F9 (HP new app)

Citi uses EQ Fico 8 but the Bankcard model. That's the score they also provide you with every month.

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Anonymous — Wed, 20 Mar 2019 13:26:32 GMT

Navy pulls TU F9 for new cards.

If this list is being added to, DCU uses EQ F5.

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

credit_is_crack — Wed, 20 Mar 2019 15:09:01 GMT

@imaximous wrote:
@credit_is_crack wrote:
Some banks have been using the FICO9 version instead of the FICO8. This is in reference to the core FICO core score, not the bankcard or another variety. In my recent apps I've been saving the "Price you Pay" letters that disclose what versions they use. Thought I'd share should anyone apply for one of these banks. This is a YMMV situation, but good to have an idea since some of us have more attractive FICO9's than FICO8's in case you chose to target specific banks based on your specific scores (increasing approval odds). Here is what we've pieced together so far.

Several other factors apply and vary by lender (inquiry/new account sensitive, income, forgiveness for bad behavior, total available credit, age of report, etc.) -- this is just to share what they are most likely to pull based on my personal experience and experiences of others shared on this forum. Hope this helps! Thanks

UPDATED 3/19/19
Bank of America: TU F8 (HP new app and SP CLI's)
American Express: EX F8 (HP new app & SP CLI's)
Citi Bank: EQ F8 (SP/HP CLI's) -- some new app's pull EX F8 so this one is very YMMV
Chase Bank: EX F8 (HP new app) -- folks brand new to Chase and in some areas usually encounter a double pull (EX F8 & EQ F8)
Fifth-Third Bank: EQ F8 (HP new app)
USAA Federal Savings Bank: EX F2 (HP CLI's) - get with it USAA!
PNC Bank: EX F9 (HP new app)
US Bank: TU F9 (HP new app)
Synovus Bank: EQ F9 (HP new app)
Navy FCU: EQ F9 (HP CLI's) -- known to pull TU for new apps and EQ for CLI's, unsure about TU version
PenFed FCU: EQ F9 (SP CLI's)
First National Bank of Omaha (FNBO): EX F9 (SP CLI's)
Wells Fargo: EX F9 (HP new app)
Citi uses EQ Fico 8 but the Bankcard model. That's the score they also provide you with every month.

@imaximous, Thanks for the clarification on Citi! I've added in that note.

@Saeren, Thanks for confirming the info for Navy. I've also converted it from a list to a matrix so it's easier to read, and added in DCU. Thanks for sharing!

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Anonymous — Wed, 20 Mar 2019 15:58:57 GMT

Citi also is known to pull TU and EX instead of EQ and EX at times. They hit me with that combo when I did my DC app last month.

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Five6Two — Wed, 20 Mar 2019 21:43:40 GMT

@Anonymous wrote:
If this list is being added to, DCU uses EQ F5.

I created a DCU savings account yesterday (want to park $1k there) and when I called in today to discuss some procedural stuff the CSR asked me if I was interested in the Visa Plat card, the basic no frills card. I said not at this moment (since I am in the garden and do not want any more HP's nor do I have a need for the card). CSR said they can issue it with same SP for creating account, I told them I'd call back if I changed my mind. But I also confirmed they use EQ for their credit products. Hope this helps...

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

credit_is_crack — Thu, 21 Mar 2019 04:14:21 GMT

@Anonymous wrote:
Citi also is known to pull TU and EX instead of EQ and EX at times. They hit me with that combo when I did my DC app last month.

I'll add a general note that if someone gets a double pull be prepared for it to be either option. It could be they switch it up from time to time, or based on the region there is a preference of one over the other. I've been double-pulled with them once, but I've never had TU pulled. 90% of the time (for me) they love smashing up my EQ lol

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Anonymous — Thu, 21 Mar 2019 12:05:16 GMT

In case anyone cares about Comenity, or for the sake of completeness, they pulled FICO EX08 for both of my apps, and I have seen reference to checking my FICO EQ08 in CLI letters.

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

credit_is_crack — Thu, 21 Mar 2019 14:00:53 GMT

@Anonymous wrote:
In case anyone cares about Comenity, or for the sake of completeness, they pulled FICO EX08 for both of my apps, and I have seen reference to checking my FICO EQ08 in CLI letters.

Thanks @ImTheDevil, certainly no harm in being comprehensive. In reviewing various posts it does look like Comenity has gone HP happy, but the majority of reports reflect EQ. You mentioned personally getting EX so I'll be placing a note above our chart that users could be pulled for either one, but odds of a double-pull (or a TU pull) seem slim. Thanks for the note - updated the chart.

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

credit_is_crack — Thu, 21 Mar 2019 14:10:02 GMT

I know Barclays is a huge fan of TU, but does anyone know if they are using F8 or F9? Seemed like a good one to have on the list considering their size/popularity. If anyone does let me know and we'll get it added