Scoring

[Anonymous]

Hello,

Is the FICO really the most common used scoring when applying for credit (credit cards, auto loan, personal loan, etc)?

Can you request a creditor to perform a soft inquiry first when applying for credit? 

Thanks

[Anonymous]

Welclome to the board.  The answer to your former question is "Yes" and the answer to the latter is " No".  You can't request a creditor do a soft inquiry before appying for a CC.  It does not work that way.

[Anonymous]

Thanks for replying so fast!

And because there are 3 scoring (TU, EQ, and EX), is it a good idea to ask the creditor which report they are pulling from?  Because I know AMEX pulled Experian only, but CAP1 pulled from all 3 credit bureaus. 

[Anonymous]

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@Anonymous wrote:

Thanks for replying so fast!

And because there are 3 scoring (TU, EQ, and EX), is it a good idea to ask the creditor which report they are pulling from?  Because I know AMEX pulled Experian only, but CAP1 pulled from all 3 credit bureaus. 

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You are welcome.  You can ask but it won't be honoured.  Every company has it's own policy and if you want their product, you'd have to abide by them unfortunately.