Hello

[Anonymous]

I am new to the board and wanted to say Hi and also ask a question.

If I am added to a bank savings and checking account (Wells Fargo in this case) will an inquiry be shown on my CR?

I did not apply for any credit and was only added as a precaution (POD) if something should happen to my GF.

Thank You !!

[shyboy]

welcome to the best place on the net.

I don't think that they pull your credit report but wait for others t response.

[Anonymous]

Thank you, it's great to find such a helpful place !!

I decided to purchase the myfico 3 credit scores and it did indeed show up on TU and EX but not on EQ.

Well now I know. Should I ask to have the inquiry removed or is that typical when a new person is added as a joint account holder?

[Anonymous]

Welcome.

Some banks will pull credit report for opening a bank account.

I know BOA does. They checked mine when I opened checking and savings with them.

[Anonymous]

I believe Wells Fargo does pull for opening a checking account.  As far as whether they pull for adding your name to an existing checking account, that I don't know.

Message Edited by cheddar on 06-23-2008 12:10 PM

[Anonymous]

Thanks again. It looks like my overall TU score was slightly dinged by the addition to the joint checking account (despite lowering my utility in the past couple of weeks). The net effect (inquiry showing up vs loweing UTILS ) on EX was still positive and even larger then EQ which doesn't show the inquiry at all. Weird

[Anonymous]

It's not that bad. Your scores will be back up in no time!

[Anonymous]

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ohnature wrote:

Thanks again. It looks like my overall TU score was slightly dinged by the addition to the joint checking account (despite lowering my utility in the past couple of weeks). The net effect (inquiry showing up vs loweing UTILS ) on EX was still positive and even larger then EQ which doesn't show the inquiry at all. Weird

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Not weird at all.  Each inquiry only shows up on one report: the report that was pulled.

Are you saying they pulled both TU and EX?

[Anonymous]

Yes, looks like Wells Fargo pulled both. Wonder why they needed to do that?