BBVA pulled Early Warning report

IaBoy62 · ‎08-26-2016

I have been ordering every consumer report that I am eligible for to check for errors and I have been freezing them as well.

Got my Early Warning report today and I see BBVA Compass had requested my report last November when I was approved for my NBA AMEX.

The only other recent inquiry was WF when I opened a savings account earlier this year to have a "relationship" with them.

Anyone else have the same experience?

Anonymous · ‎08-26-2016

So..what seems to be the issue? I thought all creditors pull your report when you apply except shopping trick cards?

IaBoy62 · ‎08-26-2016

Never had anyone pull that report for a credit card.

Anonymous · ‎08-26-2016

@IaBoy62 wrote:
Never had anyone pull that report for a credit card.

Do any reports other than TU, EX, EQX , and the two for US bank really matter?

gdale6 · ‎08-26-2016

Well well another outlier CRA. Have just requested my report to see who has done what, thanks for the info

gdale6 · ‎08-26-2016

@Anonymous wrote:
@IaBoy62 wrote:
Never had anyone pull that report for a credit card.
Do any reports other than TU, EX, EQX , and the two for US bank really matter?

If they are pulled in the process of evaluating ones credit app then yes they do matter and are relevant.

IaBoy62 · ‎08-26-2016

@gdale6 wrote:
Well well another outlier CRA. Have just requested my report to see who has done what, thanks for the info

Yeah, it's kind of opened my eyes to who has their eyes on me!

longtimelurker · ‎08-26-2016

http://rebuildcreditscores.com/early-warning-services/ has some good info.

Early Warning Services (EWS) is owned by Bank of America, BB&T, JPMorgan Chase, Wells Fargo and Capital One

It seems more like Chexsystems, concerned with bank activity, more than credit stuff

See a MyFico thread from 2009, so not that new! http://ficoforums.myfico.com/t5/Credit-Cards/Denied-for-USAA-MC-Who-Is-Early-Warning-Services-Anothe...

IaBoy62 · ‎08-26-2016

@longtimelurker wrote:
http://rebuildcreditscores.com/early-warning-services/ has some good info.

Early Warning Services (EWS) is owned by Bank of America, BB&T, JPMorgan Chase, Wells Fargo and Capital One

It seems more like Chexsystems, concerned with bank activity, more than credit stuff

See a MyFico thread from 2009, so not that new! http://ficoforums.myfico.com/t5/Credit-Cards/Denied-for-USAA-MC-Who-Is-Early-Warning-Services-Anothe...

Thanks for the links..... gonna do some reading now!

CreditMagic7 · ‎08-26-2016

@gdale6 wrote:
Well well another outlier CRA. Have just requested my report to see who has done what, thanks for the info

Yep, looks like the nosy business of being nosy just keeps picking up more storage departments.