Which CRA is a CC issuer most likely to pull your credit report from?

[Anonymous]

The web site Doctor of Credit has been running an interesting series lately,  It focuses on a different credit card issuer each time and does its best to assess what credit bureau that issuer is most likely to pull.  Here is the latest article (this time on US Bank):

http://www.doctorofcredit.com/credit-bureau-u-s-bank-pull/

There are also these:

• American Express
• Bank of America
• Barclaycard
• Capital One
• Chase
• Citi
• Discover
• Wells Fargo (coming soon)

Not sure how helpful these are.... saw them and thought I'd pass the info along.

[fltireguy]

Credit Pulls Database seems to be the source of all of their info..

[Anonymous]

Yep.  They seem to be just putting it into a table for people to look at.  They also seem to add guidance about issues related to freezing.  E.g. will this issuer be willing to pull from another burea if their primary bureau is frozen by you?  Are there certain CRAs it makes sense to freeze when applying for a card from this issuer?  Etc.

[Anonymous]

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@Anonymous wrote:

Yep.  They seem to be just putting it into a table for people to look at.  They also seem to add guidance about issues related to freezing.  E.g. will this issuer be willing to pull from another burea if their primary bureau is frozen by you?  Are there certain CRAs it makes sense to freeze when applying for a card from this issuer?  Etc.

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I know you only reciting what was posted on the DoC site but the discussion of freezing a particular credit bureau to force a potential creditor to pull another is prohibited on these forums.

[Anonymous]

Thanks so much for the heads up, Irish.  I don't have a dog in that particular race but I am very respectful of MyFICO and its community rules so I am happy to abide by that -- now that I know!

[Anonymous]

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@Anonymous wrote:

Thanks so much for the heads up, Irish.  I don't have a dog in that particular race but I am very respectful of MyFICO and its community rules so I am happy to abide by that -- now that I know!

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Thanks for your understanding and cooperation.