Which CRA does US Bank pull in California?

aftermath · ‎03-24-2011

Can anyone tell me for a fact which CRA US Bank pulls here in California?

I've checked Credit Pull Databeses and the CRA are inconsistant. I'm thinking because some of them had a certain CRA on ice.

Thanks in advance.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500

Anonymous · ‎03-24-2011

I work for U.S. Bank California, and 99% it's Equifax. Sometimes I'll see TransUnion, but it's very, very rare.

aftermath · ‎03-24-2011

@Anonymous wrote:
I work for U.S. Bank California, and 99% it's Equifax. Sometimes I'll see TransUnion, but it's very, very rare.

Thanks for the quick reply!

Did US Bank recently switch over to Equifax? I am seeing a lot of Experian pulls back in 2010 for CA residents.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500

Anonymous · ‎03-24-2011

@aftermath wrote:

@Anonymous wrote:
I work for U.S. Bank California, and 99% it's Equifax. Sometimes I'll see TransUnion, but it's very, very rare.

Thanks for the quick reply!

Did US Bank recently switch over to Equifax? I am seeing a lot of Experian pulls back in 2010 for CA residents.

Could be the region. I've been with the bank a little over a year, and I've always seen Equifax. I'm in the San Francisco Bay Area.

Online applications are processed differently, as well, which may result in a different credit report being pulled, regardless of region.

Imhotrodcrazy · ‎03-25-2011

I live in "So Cal", and they pulled EX for me.

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15

DI · ‎03-25-2011

Stay away from U.S. Bank

Creditaddict · ‎03-25-2011

@DI wrote:
Stay away from U.S. Bank

USBank has always been fantastic to me... I highly recommend.

Gotons · ‎03-25-2011

Ditto to the poster above. US Bank has always been great to me as well.

DI · ‎03-25-2011

Well maybe my attitude will change against them pending the outcome of an investigation they're conducting.

Anonymous · ‎03-25-2011

@DI wrote:
Well maybe my attitude will change against them pending the outcome of an investigation they're conducting.

The Associated cards got backdated to the original dates in the beginning of March. RBS should likely do so as well.

I do not have official confirmation on that, however. Associated, as well, are serviced by U.S. Bank's subsidary, Elan, which operates independently of U.S. Bancorp.