The "Which Banks Pull Which Report For Apps" list

[Anonymous]

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@JR_TX wrote:

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@credit_is_crack wrote:

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@Meanmchine wrote:

Thx CIC

Wells Fargo uses EX09 for checking/savings.  Dunno about credit tho

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Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

They Pulled my EX9 when they approved me Sep of  last year 2018.

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How do you know if it is fico 8 or 9? I got a wells fargo credit card around that time last year as well, and they pulled Transunion for me.

[credit_is_crack]

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

[credit_is_crack]

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@Anonymous wrote:
@credit_is_crack yes sorry I should have clarified. One was for a secured card and the other was for an unsecured. They were both on the same day so let me see if I can I figure out which was which!

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Some banks do use a diff CRA depending on the product type. I've been seeing that with Wells Fargo too. My sister applied for Propel a few days ago and they pulled TU9, but I applied for a Business Card and they pulled EX9 so looks like they flip between EX and TU depending on the product. 

[ZackAttack]

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@credit_is_crack wrote:

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

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USPS inform delivery said Cap 1 letter will be arriving today. So it's only a matter of hours before it's in my hands.

[ZackAttack]

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@ZackAttack wrote:

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@credit_is_crack wrote:

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

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USPS inform delivery said Cap 1 letter will be arriving today. So it's only a matter of hours before it's in my hands.

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The letter is in my hands. Cap 1 uses Experian Fico Score 3 from that bureau.

The letter said I was denied for my income. :/ It's kind of hard to get any income when you're a college student. I'm really want to reply but don't know how to ... :thinking:


Just shows that Discover liked the income for the student card, but not Cap 1.

[credit_is_crack]

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@ZackAttack wrote:

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@ZackAttack wrote:

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@credit_is_crack wrote:

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

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USPS inform delivery said Cap 1 letter will be arriving today. So it's only a matter of hours before it's in my hands.

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The letter is in my hands. Cap 1 uses Experian Fico Score 3 from that bureau.

The letter said I was denied for my income. :/ It's kind of hard to get any income when you're a college student. I'm really want to reply but don't know how to ... :thinking:

Just shows that Discover liked the income for the student card, but not Cap 1.

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Thanks for keeping us posted as you went thru this process @ZackAttack. FICO3 is definetly an oddity, but it is what it is. Which card did you apply for? 

[ZackAttack]

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@credit_is_crack wrote:

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@ZackAttack wrote:

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@ZackAttack wrote:

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@credit_is_crack wrote:

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

---

USPS inform delivery said Cap 1 letter will be arriving today. So it's only a matter of hours before it's in my hands.

---

The letter is in my hands. Cap 1 uses Experian Fico Score 3 from that bureau.

The letter said I was denied for my income. :/ It's kind of hard to get any income when you're a college student. I'm really want to reply but don't know how to ... :thinking:

Just shows that Discover liked the income for the student card, but not Cap 1.

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Thanks for keeping us posted as you went thru this process @ZackAttack. FICO3 is definetly an oddity, but it is what it is. Which card did you apply for? 

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Student Journey

[credit_is_crack]

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@ZackAttack wrote:

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@credit_is_crack wrote:

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@ZackAttack wrote:

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@ZackAttack wrote:

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@credit_is_crack wrote:

Yeah Cap1 is funky. Let us know when you get the letter to see if it says F8 or F9 and i'll get the list updated with them...sorry about the denial

---

USPS inform delivery said Cap 1 letter will be arriving today. So it's only a matter of hours before it's in my hands.

---

The letter is in my hands. Cap 1 uses Experian Fico Score 3 from that bureau.

The letter said I was denied for my income. :/ It's kind of hard to get any income when you're a college student. I'm really want to reply but don't know how to ... :thinking:

Just shows that Discover liked the income for the student card, but not Cap 1.

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Thanks for keeping us posted as you went thru this process @ZackAttack. FICO3 is definetly an oddity, but it is what it is. Which card did you apply for? 

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Student Journey

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I scavenged the site to see if I could find DP's on what Cap1 pulls. Many folks posted stats but nothing specific enough to say if its FICO3, FICO8 or FICO9. I've added it to the list and jotted down we'd need more DP's to have a more fine tuned expectation. Thanks for the info!

[Anonymous]

Cap1 using FICO3 explains why I had a 708 score EQ listed on my Savor approval; cuz I checked my history and it's been 40 pts or more higher for the last 3 mo.

[credit_is_crack]

Updated List, +BB&T Bank