What CRA does Target and Shell (gas card by CitiBank) pull for credit

[MichiganMommy]

Thanks...Trying to help DS (Dear Sister). She has NO revolving or installment credit, but scores are in the high 600s. Been only on hubby mortgage for years. Trying to establish on her own.

[Anonymous]

Citi has been pulling EQ for me, but I just applied for another card and they said they are now pulling EX. As always YMMV.

[USC08]

Same here. They pulled EQ for Exxon Mobil card and EX for Macy's.

[Logical]

Last Year: (in western flyover country)

Target was Equifax

Below for CITI:

Equifax:

  Home Depot

Experian:

  Citi (don't know what)

  Macy/Dsnb

  Conoco/Phillips MC

TransUnion

  Conoco/Phillips gas card

  Shell gas card

[Anonymous]

Target pulls either EQ or TU.

YMMV.

[Anonymous]

Missouri here and Target pulled TU.

[Anonymous]

Target pulled 2 on me when I applied. TU and Innovis according to the CSR.

Message Edited by Givemesomecredit on 07-12-2008 10:41 PM

[Anonymous]

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Givemesomecredit wrote:
Target pulled 2 on me when I applied. TU and Innovis according to the CSR.

Message Edited by Givemesomecredit on 07-12-2008 10:41 PM

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Innovis?  Really?

Wow.  I think that's the first time I've ever heard of a creditor pulling Innovis for an approval.

[Anonymous]

Honestly, I had never heard of Innovis before she mentioned them. I was surprised they pulled two inquiries but with their credit card problems with rising deliquencies, I guess I shouldn't be. Anyway, I rather it be Innovis than one of the big 3 for the 2nd inquiry.

[USC08]

what is innovis?