No one can really say instant approval because you could have a 750 and still get rejected. Alot more goes into approvals than score alone. However, i do know that Penfed Credit Union seem to use Equifax almost exclusively for approvals. I also think it depends on where you live who pulls what but Penfed for sure.
For me Disco and Citi like to pull Equifax but its not always gaurenteed. I laugh at Eq because everyone and their 5th cousins want to pull my Equi, but nobody takes the time to update those very same accounts
Comenity and Discover - maybe try for shopping cart trick sportsmans guide visa. I would kill for anyone to pull my EQ or EX....it's ALWAYS TU which is my worst score by like 50 points.
BOA Cash Rewards - $500 Capital One Quicksilver: $750 Merrick Double Your Line Visa.- $1000 Mission Lane: $400 Grain: $875 J Crew: $1100
Some lenders vary from state to state or even product to product so you need to watch that also. Penfed only uses Equifax data but they have their own scoring model that seems very sensative to new accounts and hard pulls. Citi has always pulled Experian for me but some folks have had them pull equifax. NFCU uses Equifax for account reviews and car loans but Trans Union for initial credit card approvals.
