OK... here's my version of who pulls what CR when applying for credit... at least this is what has come directly from my credit reports, and some friends' CRs here in GA as well. I live in GA, if that makes a difference.
Jennifer Z.
EQUIFAX
USAA (approved for $5000 Master Card, $5000 AmEx, and $20,000 car loan at 8.5%)
USAA FSB (not sure how this is different than USAA)
Shop NBC (not sure how this is different than GEMB/Shop NBC)
Citibank (approved for $6300 AmEx)
CitiCards (I'm not sure what the difference is between this and Citibank)
Diamond (DSRM Nat'l Bank -- I think this is Valero... they sent an approval letter last week)
GEMB (not sure what this is)
GEMB/QVC (approved for $500)
GEMB Shop NBC (approved for $500)
GEMB/HSN (denied)
Justice FCU (approved for $5000 visa pending opening an account with their CU)
Homevisions (not sure what this is)
NASA FCU (denied -- ChexSystems got me here)
Pentagon FCU (they denied me, but gave me an account with their CU... odd)
Shop NBC (was a totally separate pull than GEMB/Shop NBC... not sure why)
Kroger (think this is Fred Meyer cc)
First USA (not sure what this is)
FMCC (think this is Ford Motor Company)
Chase (approved... actually, approved for and got Amazon.com visa for $4000, and also approved by phone for AOL visa for $2000... but then I got a letter saying that they couldn't approve me for the AOL visa a week later... strange)
Chase/Circuit City (approved for $1000)
HSBC Best Buy (denied)
Beneficial National Bank (not sure what this is -- belongs to HSBC, though)
EXPERIAN
FIA CSNA (not sure what this is... I think it used to be MBNA... also Bank of Ameria and Wachovia use this now)
Macys/DSNB (denied)
Sears/CBSD (denied)
Amex (denied)
Christian Community CU/LS (pending, but initially denied)
Discover (denied)
HSBV NV (denied)
Citi (I have a Citi card, but they pulled EQ as well... not sure if this is a different pull)
Capital One Bank (denied)
Patelco CU (denied)
WFNNB/Chadwicks (not sure what this is)
Band of America (I have 2 bank accounts here, and they denied me for a cc)
CB&T (not sure what this is)
TRANS UNION
WaMu/Providian (denied)
Sterling (denied... Kay Jewelers, I think)
Cap One Bank (denied)
GEMB/JC Penney (denied)
GEMB/Old Navy (denied)
GEMB/Dillard (denied)
Hooters (denied)
Bank of America (pulled to open bank account, not for CC -- I opened 2 bank accounts)
First Premier (don't remember applying to them)
