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Another "which version do they pull" question?

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Anonymous
Not applicable

Another "which version do they pull" question?

Planning on apping for the following cards. I did some research in the credit pulls database so I am pretty sure which bureaus they pull but on other threads I have read conflicting info on which versions. And also, do any of them pull bankcard enhanced versions? I'm a little confused. I'm in CA if that makes a difference. I have one QS1 and 1 Home Depot card. I am doing this as part of my rebuild and I don't care about the inquiries because I plan to garden for a long time after my house hopefully closes next week.  TIA!

 

BofA Cash Rewards - EX but which version?

NFCU - EQ but which version?

Barclay Cash Rewards and Barclay Apple - TU but which version?

DiscoverIT - EQ but which version?

Cap1 - All 3 but which versions?

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3 REPLIES 3
Skye12329
Valued Contributor

Re: Another "which version do they pull" question?

If I'm not mistaken I think its all fico 08 except cap1. Cap1 is possibly fico 04. If that's what you meant.
BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 2 of 4
OmarGB9
Community Leader
Super Contributor

Re: Another "which version do they pull" question?

Can't speak for NFCU or BoA, but for Barclays and Discover, they pull regular old FICO 08. Cap1 they pull all 3, but which version depends on the card you're apping for. If it's for the QS/QS1/Platinum/Journey/VentureOne, it's FICO 08 I believe. If it's Venture, it's FICO 04.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 4
Anonymous
Not applicable

Re: Another "which version do they pull" question?

Thanks! Anyone else?

Message 4 of 4
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