Data for Various Creditors

[Starting_Over2013]

This data is related to my personal experience with these creditors and which credit bureaus have been used.

	NEW ACCOUNT		CLI		FREE SCORE ON CREDITOR SITE	SCORE MODEL
AMEX	EXPERIAN		SP		EXPERIAN	FICO SCORE 8
BARCLAY	TRANS UNION		N/A		TRANS UNION	FICO SCORE 8
BOA CC	EXPERIAN		HP - TRANS UNION		TRANS UNION	FICO SCORE 8
CABELA'S - CAP ONE	X		HP - EQUIFAX		N/A	N/A
CAPITAL ONE CC	ALL 3		SP		TRANS UNION	VANTAGESCORE 3.0
CHASE CC	TRANS UNION & EXPERIAN		N/A		TRANS UNION	VANTAGESCORE 3.0
CITI	EQUIFAX & EXPERIAN		SP		EQUIFAX	FICO SCORE 8
BEST BUY VISA - CITI	EQUIFAX		N/A		N/A	N/A
DISCOVER	ALL 3		SP		TRANS UNION	FICO SCORE 8
FNBO	EXPERIAN		HP - EXPERIAN		EXPERIAN	FICO SCORE 8
SEARS - CITI	EXPERIAN		SP		N/A	N/A
SYNCHRONY - WALMART & AMAZON	TRANS UNION		SP		TRANS UNION	FICO SCORE 8
TARGET - TD BANK	TRANS UNION		N/A		N/A	N/A
US BANK	TRANS UNION		SP		TRANS UNION	VANTAGESCORE 3.0
WELLS FARGO - PROPEL AMEX	EQUIFAX		SP - VIA PHONE		EXPERIAN	FICO BANKCARD SCORE 2

[Anonymous]

Nice table! I am surprised Disco 3x'd you -- that stinks.

Just a couple things to add. 1) Whether the free score is FICO 08, FICO Bankcard, FAKO, etc. and 2) Kohls is Cap1.

[Starting_Over2013]

Thanks Grasshopper! I thought about adding that initially, but I was worried about making the table too big & didn't want to shrink it down too much! 

But maybe I'll add that info since someone thinks it would helpful! 

[HeavenOhio]

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@Anonymous wrote:

2) Kohls is Cap1.

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Menards is too.

[LadyJEsq]

I thought US Bank was a HP CLI unless it's $1500 and under. Anyway, thanks for sharing! 

[Starting_Over2013]

LadyJEsq, my cli from US Bank was a sp for $4k in September. However, I have read the same thing about their cli requests ($1,500 max to avoid a hp), so I waited a VERY long time before attempting! 

[Adkins]

I just applied for & got a Target card - they hard pulled Equifax. Edited to add: I wonder if which one they pull is region specific?

[LadyJEsq]

What do you consider to be a very long time? I received an auto CLI back in June but I've held off on requesting a CLI because of the potential for HP (I assume all CLIs will be HP and happy if they aren't, but there is higher chance due to the DPs others have posted). However, I've had the card for just over a year now, and have never requested one, so I'm interested. Especially with the SL they're dolling out as of late. 

[Starting_Over2013]

I opened my account in October 2015, so I waited almost two years to request a cli. I had never received an auto cli and sat at $5k that entire time. At that point, it was worth the chance of a hp to me since my reports were nearly clear of inquiries. 

[Starting_Over2013]

Hi adkins - it may depend on where you live, definitely; I live in IN.