topic Re: Which Report Will They Pull, Part 2 in General Credit Topics

Which Report Will They Pull, Part 2

credit_is_crack — Sun, 09 Jul 2023 21:10:18 GMT

AS OF 07/09/23

This post is built to help others see which credit report(s) a bank will pull based on where you are. All the info here comes from fellow MyFICO'rs posts. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), and it does include 2 popular store card exceptions (Macy's & Target).

GRID #1 = This list calls out which CRA (credit reporting agency) was pulled based on specific states
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.). Learn more about FICO scores here Your Guide To Credit Scoring

Please approach this understanding this info is for educational purposes, and nothing is guaranteed. This is a YMMV situation.

HOW TO READ THE GRIDS:

Green Check Mark: Some banks are very consistent with which CRA/Version they pull. These are those "religiously consistent"' pullers
Yellow Exclamation Point: Some banks bounce between 2 CRA's, but which one they pull unpredictably varies based on where you live along with the specific card. It just means "prepare that it could be either one of the bureau's"
Green Check Mark + Yellow Exclamation Point: It means that a large part of the time they lean towards the green checkmark, but at times will fall to a secondary report (locked reports, bank errors when trying to pull their primary option, split credit profiles, residency, etc)

GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE (reporting from MyFICO users)?

GRID #2 - WHICH VERSION ARE THEY USING (reporting scoring model)?

KEEP THIS IN MIND: This post calls out which report will likely get pulled when you apply for a credit card, but there are many more things considered during the application process. These items can include things such as:

A banks sensitivity to recent inquiries or newly opened accounts (I.E - US Bank, Wells Fargo, Chase, etc.)
Your Income (and for some banks and credit unions, your total open debt)
A banks level of forgiveness for prior behavior (previous delinquencies, charge-offs, bankruptcy, repo's, etc.)
A banks sensitivity to how much available credit you already have (more common with credit unions)
Your credit report age (some banks don't like to the be first to risk big limits, or any limit, on you -- "younger" profiles)
The state you live in (most banks have contracts with a specific CRA(s) and it covers a multi-state area)

Other Notes:

Citi Bank: 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 all new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo based on approval threads, 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. This is a YMMV scenario, but the trends are there
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 members have reported being double-pulled when their new to Wells Fargo. Expect a doublepull as the worst case scenario

Re: Which Report Will They Pull, Part II

IaBoy62 — Fri, 30 Jul 2021 07:47:54 GMT

@credit_is_crack

Arvest Bank pulled TU and used FICO 9 in Kansas

thanks for all your effort!

Re: Which Report Will They Pull, Part II

Mr_Mojo_Risin — Fri, 30 Jul 2021 16:17:28 GMT

This is such a great resource for the community, we really appreciate you taking the time to make it happen!

Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.

It's Friday, enjoy your weekend!!!

Re: Which Report Will They Pull, Part II

credit_is_crack — Fri, 30 Jul 2021 22:54:28 GMT

@IaBoy62 wrote:
@credit_is_crack

Arvest Bank pulled TU and used FICO 9 in Kansas

thanks for all your effort!

Thanks @IaBoy62 for the dp. I've added it to the grid

Re: Which Report Will They Pull, Part II

credit_is_crack — Fri, 30 Jul 2021 22:55:35 GMT

@Mr_Mojo_Risin wrote:
This is such a great resource for the community, we really appreciate you taking the time to make it happen!

Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!

This is a good note @Mr_Mojo_Risin

Which card did you apply for at that time, and what state are you in (if you don't mind)?

Re: Which Report Will They Pull, Part II

credit_is_crack — Fri, 30 Jul 2021 22:57:27 GMT

GRID UPDATED

+Arvest Bank, TU F9 hard pull in KS, @IaBoy62

Re: Which Report Will They Pull, Part II

Mr_Mojo_Risin — Fri, 30 Jul 2021 23:10:30 GMT

@credit_is_crack wrote:
@Mr_Mojo_Risin wrote:
This is such a great resource for the community, we really appreciate you taking the time to make it happen!

Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
This is a good note @Mr_Mojo_Risin

Which card did you apply for at that time, and what state are you in (if you don't mind)?

Forgot to add those, sorry about that.

I applied for the Custom Cash and I'm in Ohio.

Re: Which Report Will They Pull, Part II

credit_is_crack — Fri, 30 Jul 2021 23:39:29 GMT

@Mr_Mojo_Risin wrote:
@credit_is_crack wrote:
@Mr_Mojo_Risin wrote:
This is such a great resource for the community, we really appreciate you taking the time to make it happen!

Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
This is a good note @Mr_Mojo_Risin

Which card did you apply for at that time, and what state are you in (if you don't mind)?
Forgot to add those, sorry about that.
I applied for the Custom Cash and I'm in Ohio.

Thanks @Mr_Mojo_Risin

Re: Which Report Will They Pull, Part II

credit_is_crack — Mon, 02 Aug 2021 00:04:26 GMT

GRID UPDATED

+Citi EX HP in MO, @Bojack

Re: Which Report Will They Pull, Part II

credit_is_crack — Sat, 07 Aug 2021 01:48:03 GMT

GRID UPDATED

+Citi TU HP in AZ, @wingennis

Re: Which Report Will They Pull, Part II

Remedios — Sat, 07 Aug 2021 04:15:19 GMT

Some relatively recent ones, all for WA

Citi, EX

WF, double tug, EX and TU

Chase, EX and EQ

FNBO EX

BoA EX

US Bank, always TU

Re: Which Report Will They Pull, Part II

credit_is_crack — Sat, 07 Aug 2021 12:14:45 GMT

@Remedios wrote:
Some relatively recent ones, all for WA
Citi, EX
WF, double tug, EX and TU
Chase, EX and EQ
FNBO EX
BoA EX
US Bank, always TU

Thanks for the DP's @Remedios !

Re: Which Report Will They Pull, Part II

credit_is_crack — Sat, 07 Aug 2021 12:18:19 GMT

GRID UPDATED

+USAA EX HP in MD, @BenTramer1978
+Citi EX HP in WA, @Remedios
+Chase EQ HP in WA, @Remedios (this was a double-pull EX/EQ)
+FNBO EX HP in WA, @Remedios
+Wells Fargo TU HP in WA, @Remedios (this was a double-pull EX/TU)

Re: Which Report Will They Pull, Part II

Rottweilerlvr — Tue, 10 Aug 2021 23:57:49 GMT

This is amazing.. Is there something like this for auto loans?

Re: Which Report Will They Pull, Part II

credit_is_crack — Wed, 11 Aug 2021 00:17:36 GMT

@Rottweilerlvr wrote:
This is amazing.. Is there something like this for auto loans?

Hi @Rottweilerlvr glad it helps. If there is one for Auto I'm unsure who is "manning" it or where it's at. Maybe someone else who's more familiar might share

Re: Which Report Will They Pull, Part II

Anonymous — Sun, 15 Aug 2021 14:48:37 GMT

Here's a compilation of DP's from the past 24 months. not sure of all the exact score model used.

State - IL

-Apple Card GS - TU HP

-BofA - New Card - EX HP

-BofA - CLI - TU SP

-BofA - New Auto/Refi - TU8 Auto HP

-Cap One - All 3 HP's

-Cap One Walmart - All 3 HP's

-Cap One Kohl's - TU HP

-Citi Bank New Card - EQ and EX HP's

-Citi Bank Home Depot - EQ HP

-Citi Bank Wayfair - EQ HP

-Citi Bank Best Buy Store - EQ HP

-Comenity Minors - Ikea, Overstock, Victoria Secret - EX HP

-Discover New Card - EX HP

-Macy's New Store Card - EX HP

-Macy's Recon SL Given (they warned me to recon my SL within first 30 days would be a HP and it was - EQ HP

-PenFed New Card - EQ HP

-Synchrony Care Credit (not MC), TJ Maxx Store , Ashley HomeStore Advantage - TU HP's

-Synchrony Dick's Sporting Goods & Amazon Store - TU and EX HP's

-Target RedCard - EQ HP

-USAA New Card - EX HP

-Wells Fargo Kirkland's Store - TU HP

-Wells Fargo New Bank Card - EQ & EX HP's

Re: Which Report Will They Pull, Part II

credit_is_crack — Sun, 15 Aug 2021 17:31:00 GMT

@Anonymous wrote:
Here's a compilation of DP's from the past 24 months. not sure of all the exact score model used.

State - IL

-Apple Card GS - TU HP

-BofA - New Card - EX HP
-BofA - CLI - TU SP
-BofA - New Auto/Refi - TU8 Auto HP

-Cap One - All 3 HP's
-Cap One Walmart - All 3 HP's
-Cap One Kohl's - TU HP

-Citi Bank New Card - EQ and EX HP's
-Citi Bank Home Depot - EQ HP
-Citi Bank Wayfair - EQ HP
-Citi Bank Best Buy Store - EQ HP

-Comenity Minors - Ikea, Overstock, Victoria Secret - EX HP

-Discover New Card - EX HP

-Macy's New Store Card - EX HP
-Macy's Recon SL Given (they warned me to recon my SL within first 30 days would be a HP and it was - EQ HP

-PenFed New Card - EQ HP

-Synchrony Care Credit (not MC), TJ Maxx Store , Ashley HomeStore Advantage - TU HP's
-Synchrony Dick's Sporting Goods & Amazon Store - TU and EX HP's

-Target RedCard - EQ HP

-USAA New Card - EX HP

-Wells Fargo Kirkland's Store - TU HP
-Wells Fargo New Bank Card - EQ & EX HP's

Thanks for all the data points @Anonymous You've had an active 24 months!

Re: Which Report Will They Pull, Part II

credit_is_crack — Sun, 15 Aug 2021 17:36:10 GMT

GRID UPDATED

+Goldman Sach (Apple) TU HP in IL, @Anonymous
+Bank of America EX HP in IL, @Anonymous
+Captial One EX/EQ/TU HP's in IL, @Anonymous
+Citi EQ/EX HP's in IL, @Anonymous
+Comenity Minor (Ikea/Overstock/Victoria Secret) EX HP's in IL, @Anonymous
+Discover EX HP in IL, @Anonymous
+Macys EX HP in IL, and EQ HP in IL (recon SL situation), @Anonymous
+PenFed EQ HP in IL, @Anonymous
+Synchrony TU/EX HP's in IL, @Anonymous
+Target EQ HP in IL, @Anonymous
+USAA EX HP in IL, @Anonymous
+Wells Fargo (Kirklands) TU HP in IL, @Anonymous
+Wells Fargo (legacy card) EQ/EX HP's in IL, @Anonymous

Re: Which Report Will They Pull, Part II

Anonymous — Sun, 15 Aug 2021 18:04:35 GMT

@credit_is_crack I went to Lowe's and bought my potting soil today. It'll take a LONG while for my new plants to blossom 🤣. Want to be mortgage ready in 24-36 months. Good thing most of these are not scoreable, but still exist nonetheless.

Re: Which Report Will They Pull, Part II

BenTramer1978 — Sat, 21 Aug 2021 15:25:12 GMT

TD Bank - Target pulled Equifax. This time AND the other 2 times I was rejected

Citi Bank- Got the Custom Cash card and they also pulled Equifax.

I am in Maryland.