Who does Orchard Bank pull?

[CreditCrusader]

Have a family member who is building, but is conscious about inquiries. Is OB a 3-bureau credit puller like Cap1, or do they pull one bureau in particular?

[CreditCrusader]

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@CreditCrusader wrote:

Have a family member who is building, but is conscious about inquiries. Is OB a 3-bureau credit puller like Cap1, or do they pull one bureau in particular?

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Aw come on now...surely someone knows

[Anonymous]

Orchard pulled EQ on 03/30/2012

[CreditCrusader]

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@Anonymous wrote:

Orchard pulled EQ on 03/30/2012

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TY...whogavemecredit.com is very difficult to gauge since most posters post all three credit scores and very few mention who they pull. I did see EQ a few times, so maybe that's the bureau.

[Burned2manybridgesB4]

They've been softing me on Eq for ages. That's your safe bet.

[Viper786]

Hmm, interesting. I updated my USAA 3-bureau monitoring service to see who they pulled for me when I got that card last year. Surprisingly enough, I don't have an inquiry from them on any of the CRAs. I applied for a Capital One secured and Orchard Bank card in April of last year. My reports show Cap one pulled all three, but I dont see an inquiry from HSBC/Orchard Bank anywhere. Odd.

[Sassy_Taurus]

They pulled EQ on me

[Revelate]

They pull EQ exclusively AFAIK.  I did a lot of research at one point on that and it while anecdotal I couldn't find anything that suggested they pulled other bureaus.  They pulled EQ for me as a Cali resident of all things, so it's a good bet they do it for just about anyone.

[improvingmycredit]

I live in Florida.  They pulled EQ for me and sp's me about once every 6 months on EQ.  (I opened the account in 06')

Orchard is part of the HSBC family so I'm sure in the near future- like Capital One, you will see 3 pulls for an account since HSBC is being transitioned over for the buy out.

Hope this helps!

[injustifiiable]

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@Burned2manybridgesB4 wrote:

They've been softing me on Eq for ages. That's your safe bet.

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+1. SP'd on EQ for the preapproval letter then a hard pull when I did the application and was approved.