The "Which Banks Pull Which Report For Apps" list

[Anonymous]

C_i_c, you’re welcome. I actually just looked at my reports this week and sent off HIPAA letters to TU and EQ, and looked at my inquiries. Definitely both HPs for the opening of the cards were on EX, and as I mentioned, they noted EQ in a couple CLI letters. Only HPs I have in EQ are for Citi CLIs for my Home Depot card, and one for opening my Discover card.

I’m in NY if it comes down to that, by the way.

[GApeachy]

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@Anonymous wrote:
In case anyone cares about Comenity, or for the sake of completeness, they pulled FICO EX08 for both of my apps, and I have seen reference to checking my FICO EQ08 in CLI letters.

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EDIT: ( I added non-bank info. Sorry)

[credit_is_crack]

@Laurachrisy, we can never have too much info! 

[credit_is_crack]

Rcv'd quite a few PM's so bumping thread.

[jwa77]

I have the Crate & barrel mastercard from Synchrony (got it last November); they pulled TU8 and I live in Washington state

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[credit_is_crack]

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@jwa77 wrote:

I have the Crate & barrel mastercard from Synchrony (got it last November); they pulled TU8 and I live in Washington state

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Synchrony and TU have a deep thing going on. I've recently seen a few posts where they pulled EX which was crazy, they've always been known to be a TU fan. It's almost creepily predictable, but stranger things have happened. I added them to the list - not sure how I missed them. 

[jwa77]

I think a bigger question I have is this--for me specifically--TU is always much higher than the other 2 (seems more difficult to get disputes resolved favorably with EX and EQ --who find reasons to magically not process disputes I set up online).  why do so many of the "good" cc companies use EX and EQ instead of TU?

[credit_is_crack]

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@jwa77 wrote:

I think a bigger question I have is this--for me specifically--TU is always much higher than the other 2 (seems more difficult to get disputes resolved favorably with EX and EQ --who find reasons to magically not process disputes I set up online).  why do so many of the "good" cc companies use EX and EQ instead of TU?

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I have no idea  but I get what you mean. My TU has always been my higher score and my EQ has always been the one that barely moves. It always putters a few points up and down and took forever to get it up where it's at, but I can tell that out of all 3 EQ tends to be the one to penalize me the most for never letting my AoYA get to 12 months.

[mikesonthemend]

Great thread, Crack.

Some more for you:

Georgia resident

Cap1, all 3, duh

All SYNC, TU

US Bank, TU

Disco, EQ

Kohl's (Cap1), TU only

Big Lots Commenity, EQ

AMEX, EX

Chase, EX & TU

Citi, EQ

Thanks for doing this!

[ZackAttack]

What a nice thread. I can't wait to see what finally drags lenders on pulling which bureau.

By the way, where is Capital One on that chart?