topic Re: Which Report Will They Pull, Part 3 in General Credit Topics

Which Report Will They Pull, Part 3

14YHWH — Fri, 25 Jul 2025 04:07:55 GMT

Below is the link to see which credit reports are pulled by State for each financial institution.

The goal is to update the Google Sheet based on replies to this thread.

Shoutout to @credit_is_crack for all the work starting this and the prior contributors for keeping this alive over the years.

Similar rules as before:

GRID #1 = This list calls out which CRA 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, VantageScore 3.0, VantageScore 4.0, 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.

I'm open to feedback / suggestions.

Once data points start coming in for newer scores (e.g., VantageScore 5.0), they will be added to Grid #2.

Thank you.

Re: Which Report Will They Pull, Part 3

NoHardLimits — Fri, 25 Jul 2025 05:46:48 GMT

I can supply a data point from yesterday:

Bank of America

Customized Cash Rewards

Florida

Experian FICO 8

Do you want any earlier data points, or just from this point onward?

Re: Which Report Will They Pull, Part 3

14YHWH — Fri, 25 Jul 2025 14:09:03 GMT

@NoHardLimits thanks - earlier DPs are fine as well.

Re: Which Report Will They Pull, Part 3

Vinjints — Fri, 25 Jul 2025 14:31:18 GMT

Here's some info from the past year based on VA residence:

Auto Loan:

NFCU - TU

USAA - EX

Credit Card:

Citi - EX

Elan - EQ

CC CLI:

Chase - TU (SP)

Re: Which Report Will They Pull, Part 3

IaBoy62 — Fri, 25 Jul 2025 15:09:43 GMT

@14YHWH @Thanks for taking on this task!

from Kansas this month:

Commerce Bank (KC,MO) TU

Central Bank (Jeff City, MO) TU

Allegacy FCU (Winston Salem, NC) EQ

Re: Which Report Will They Pull, Part 3

NoHardLimits — Fri, 25 Jul 2025 15:20:17 GMT

@14YHWH wrote:
@NoHardLimits thanks - earlier DPs are fine as well.

I have 20 years of personal inquiry data on hand, but I would consider almost all of it obsolete at this point. I will just supply a couple additional data points from last year.

Navy Federal

cashRewards Plus

Florida

TransUnion

Wells Fargo

Autograph Journey

Florida

Equifax

Re: Which Report Will They Pull, Part 3

AndySoCal — Fri, 25 Jul 2025 17:10:04 GMT

@14YHWH Here are a few to add to the spreadsheet Commonwealth Credit Union Ky TUC. There is another Commonwealth Credit Union in Illinois that is geofenced to Illinois unless you qualify under SEG (Sponsored Employment Group) The Commonwealth in KY is not geofenced.

Langley FCU Equifax

Redstone FCU Experian

All pulls were from California

Re: Which Report Will They Pull, Part 3

CaneVariant — Sat, 26 Jul 2025 00:32:37 GMT

Does anyone have any DP's for Fidelity/Elan in CA? Really hoping they pull Fico 10's like US Bank Thank you

Re: Which Report Will They Pull, Part 3

NoHardLimits — Sat, 26 Jul 2025 19:57:21 GMT

P2 can provide another data point from last week.

Wells Fargo

Choice Privileges

Equifax

Florida

Re: Which Report Will They Pull, Part 3

AndySoCal — Sat, 20 Dec 2025 00:53:07 GMT

@14YHWH Commonwealth Credit Union Ky Trans Union

One Pay Walmart Equifax

State Department FCU Experian
Both reports pulled from California

Re: Which Report Will They Pull, Part 3

14YHWH — Sat, 20 Dec 2025 08:48:30 GMT

Thank you AndySoCal - was Synchrony the bank that pulled your credit report for the OnePay from Walmart? Take care.

Re: Which Report Will They Pull, Part 3

AndySoCal — Sun, 21 Dec 2025 05:39:25 GMT

@14YHWH Yes it was Also the KS pulll for Consumers Credit Union is for the one that is Illinois per a post on 7/23/23 by Laboy62

Re: Which Report Will They Pull, Part 3

Priory_Man — Mon, 22 Dec 2025 11:47:05 GMT

A recent one for me was Citi they pulled EX, I'm in South Carolina

Re: Which Report Will They Pull, Part 3

BrutalBodyShots — Tue, 23 Dec 2025 02:45:22 GMT

One point I'd like to make that I think many people don't realize or consider is that when you apply for something, the lender isn't necessarily going to only see the bureau report that they HP. I know these threads look to gather hard inquiry data which is great, but I think many people believe that by knowing which report is more likely to be hard pulled that the lender doesn't have the ability to see the other 2B reports.

This is untrue, as while they may HP one report, they can soft pull the other 2 if they'd like. A lender can see the same exact information with a soft pull that they can see with a hard pull, so for anyone that thinks they are always going to get one over on an lender that's not necessarily the case.