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CC pre-qualify links - which reports do they soft pull?

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cluelessoregonguy
Contributor

CC pre-qualify links - which reports do they soft pull?

From testing it feels like most of the major card issuers' pre-qualify apps look at equifax? I'm guessing those are the ones I'm getting nothing on. A few places like CK and cardmatch seem to pull transunion. Is there any decent pre-qualify site that pulls experian?

 

Any others that look at trans union?

 

Anyone noticed a correlation between junk mail and a particular CRA?

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twist7d7
Regular Contributor

Re: CC pre-qualify links - which reports do they soft pull?

I think its all voodoo magic Sorry i couldnt be of more help

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
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CreditDunce
Valued Contributor

Re: CC pre-qualify links - which reports do they soft pull?

Amex, BoA, etc pulls EX in their pre-approval site.  If there are cards you are interested, I would check with that CCC's website to see if you are preapproved.  It doesn't matter what the preapproval site pulls, when you apply the CCC is going to HP what ever they would normally pull.

 

PS I have found most major banks in my area pull EX.  But it can vary depending on where you live.  Most CU's seem to pull EQ for me.  Barclay is one of the few that pulls TU for new apps.

 

 

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