When they pull all 3 credit bureaus...

[masscredit]

Cap1 and some others pull all 3 CBs. Guessing most of this process is handled by a computer so we probably don't know the answer to this but... Is all the info taken into consideration? Do they maybe focus on one CB? Scores averaged? What if one score is substancially lower than the other two? What do we know about this?

[GZG]

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@masscredit wrote:

Cap1 and some others pull all 3 CBs. Guessing most of this process is handled by a computer so we probably don't know the answer to this but... Is all the info taken into consideration? Do they maybe focus on one CB? Scores averaged? What if one score is substancially lower than the other two? What do we know about this?

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there's several DPs across the internet of being able to freeze experian and still be approved by Cap1, so clearly they're okay with not having or using some of the info 

personally, I think they primarily base their decision off of the report that they use to give you your score and then use a second report to confirm that and then the other pull is just to be rude

[Minimalist]

I've heard some reports of companies pulling 2 CRs for the initial inquiry, then pulling 1 for anything else in the future.  Couldn't say who exactly since I haven't tried yet (although I've heard Chase is one of them).

[omgitsMatt]

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@GZG wrote:

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@masscredit wrote:

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personally, I think they primarily base their decision off of the report that they use to give you your score and then use a second report to confirm that and then the other pull is just to be rude

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I like this take I'm going to agree

[chamathkari]

Whatever may be their reason for pulling all 3. But I think its just evil.

[Varsity_Lu]

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@GZG wrote:

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@masscredit wrote:

Cap1 and some others pull all 3 CBs. Guessing most of this process is handled by a computer so we probably don't know the answer to this but... Is all the info taken into consideration? Do they maybe focus on one CB? Scores averaged? What if one score is substancially lower than the other two? What do we know about this?

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there's several DPs across the internet of being able to freeze experian and still be approved by Cap1, so clearly they're okay with not having or using some of the info 

personally, I think they primarily base their decision off of the report that they use to give you your score and then use a second report to confirm that and then the other pull is just to be rude

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My wife's Quicksilver was a triple pull, but her Savor was only 2. Every report was unfrozen, too.