@Anonymous wrote:They do pull your personal credit. That's how they identity you, are you. They don't hard pull you, its a soft pull. Not every bank soft pulls your credit bureau report though. Some will pull Lexis Nexis to identify you. It depends on the bank. But they have to pull from somewhere it just does not appear as a hard pull. The Patriot Act doesn't say specifically how banks should identity you. Since lenders already have relationships with the big 3 they just find it more convenient. I had a credit union try to pull Sagestream for identity purposes.
I suppose they have to in some fashion but not enough to focus on 3 CA's and 8 CO's from 2014. I am fairly sure that if I did PG this, I would have been denied after a hard pull with score and god forbid a manual review. Same with Sam's Club approval from the day earlier as there are two Sync CO's sitting there for all to see. Both seemed to pull EX biz as a side note.
