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It is possible they pulled from other places as well but it may not show up right away sometimes it can take a month or two for some inquiries to pop up
If a creditor denies you credit and they used a credit report as part of their determination, the denial is then considered as an "adverse action" under FCRA 603(k).
The creditor is required, under FCRA 612(a), to specifically identify in the denial ("adverse action") notice the name of each CRA from which they obtained a credit report that was used in denial.
That then permits you to send a request to that CRA within 60 days after the denial notice, and receive a free copy of your credit report from those CRAs.
That will inform you exactly what the creditor saw from each identified CRA.
@Remedios wrote:
I'm not sure what you're confused about
When creditor pulls your report, they will see all accounts that are reporting to that particular CRA, regardless of which CRA was pulled when accounts were open.
As far as HP, they will only see ones on that CRA, but that's irrelevant, because they can see the accounts.
Barclay often pulls TU, but they also SP other CRAs, EX primarily.
Bottom line, cant hide anything
+1
@TheBoondocks, keep in mind that a variety of lenders have adjusted their UW algorithms to SP another CR in addition to the primary HP being used. Barclays, HSBC, Comenity, Commerce and a plethora of others tend to do this.