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I know that the Best Buy card switched over from HSBC to Capital One earlier this year. Does that mean that an app does a hard pull on all 3 agencies?
Back in 2008, they pulled only TU for me.
But since now thats a Cap One card, chances are they will pull all 3
They pulled EQ from me last year @ Black Friday. Guess it might depend on your demographic on what they pull. I know CapOne hard pulls all 3 for it's own cards but i didn't know they pulled all 3 for store cards that they back.