The "Which Banks Pull Which Report For Apps" list

[credit_is_crack]

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@GApeachy wrote:

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@Anonymous wrote:
Synovus pulled EQ on me, I just didn’t know which version.

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Our LO told us, I already knew that beforehand, but she gave him his score and told me too. 771 eq fico 8.  I just pulled DHs 3b and it's 771 eq fico 8.  This is in GA idk what they pull for the Floridians.

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Good info @Birdman7 & @LauraC -- I'm not sure why i had Synovus flagged under EQ9, that must have been my error because all of Synovus approvals show EQ8, including my own. I've corrected our matrix. Sorry about that! 

[MrCreditInternational]

Citizens Bank used EQ for me. As far as I know they exclusively use EQ. No mention of scores tho.

[Anonymous]

Almost all my pulls are on EX . Except Synchrony that pulls TU and Capital One that pulls all 3. 

[credit_is_crack]

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@MrCreditInternational wrote:
Citizens Bank used EQ for me. As far as I know they exclusively use EQ. No mention of scores tho.

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Citizens Bank was not on the list, but I just added them. Did a little digging around and all approvals (that had DP's) refer to EQ as the CRA. Thanks for the call out @MrCreditInternational!

[credit_is_crack]

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@Anonymous wrote:

Almost all my pulls are on EX . Except Synchrony that pulls TU and Capital One that pulls all 3. 

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There are some states that have a personal love affair with EX - are you in California or another state? Some banks (like Amex) are loyal to EX so could also just be the FI's you're applying with. Capital One definitely likes to poke around everywhere

[Anonymous]

MrCreditInternational How is citizens bank what do you think of it? Are they open to everyone? Is the application process quick and simple?

[ZackAttack]

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@Anonymous wrote:
MrCreditInternational How is citizens bank what do you think of it? Are they open to everyone? Is the application process quick and simple?

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Citizens only have 2 credit cards.

- 1.8% cashback (credit choice of 16.99%, 20.99% or 24.99% APR) (World Mastercard)

- Clear Value Master (their BT) (credit choice of 14.99%, 18.99%, or 22.99% APR)

By the looks of the online application, it has a selection box for the states and seems to have all the states in the US.

[Anonymous]

Are they generous with CLs? Conservative?

[Anonymous]

You’re not gonna believe this. NFCU pulled TU and tried to pull EX for a platinum credit card on me. EX was blocked but I still got approved.

I’ve never heard of them pulling Experian.

Next I had a friend who applied for a CLOC and he was double pulled at Trans Union and Equifax.

[credit_is_crack]

You that’s not too surprising considering Navy business Cards just started reporting to EX a couple months ago. They have some new partnership with EX so it could be an overall agreement that will bleed over into the personal side as well. Looks like it’s time for an exclamation alert on the EX part. I wonder if they were pulling the F8 or F9 version (if they had been successful in getting it)