FICO ACCT Changes

[CivalV]

So December 1st I was approved for the HSN CC with a $750.00 limit. EQ was pulled at the time. Today my Experian score reported a new account which is the HSN CC. My question is why is it reporting on EX if EQ was pulled? How does this work? Some of my accounts are not showing on certain reports so it’s a bit confusing for me.

[Anonymous]

EQ was pulled meaning the inquiry was on EQ.  You should see that on your EQ report.

However, the new account will report on all 3 CBs in most cases.  Experian appears to be the first in your case.

You say some accounts aren't showing on some reports... how old are these accounts, are they still open, and who are they issued by?  Some lenders don't report to all 3 bureaus, but most do.

[RonM21]

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@Anonymous wrote:

EQ was pulled meaning the inquiry was on EQ.  You should see that on your EQ report.

However, the new account will report on all 3 CBs in most cases.  Experian appears to be the first in your case.

You say some accounts aren't showing on some reports... how old are these accounts, are they still open, and who are they issued by?  Some lenders don't report to all 3 bureaus, but most do.

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This is correct.  Lenders choose what reports they want to pull to look over an aplication.  They usually pull form one bureau, but some pull form two of them, and in other cases they may pull all 3 bureaus for one application.

From that point, as noted in the above post, when they report the account itself to the bureaus, they usually report that to all 3.  However, the same works with this as well, where most lenders report accounts to all 3 bureaus, but some may only report to two of them, and some will only report to one bureau.