cancel
Showing results for 
Search instead for 
Did you mean: 

The "Which Banks Pull Which Report For Apps" list

tag
Anonymous
Not applicable

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Wow, those are some crazy DPs!!!

I guess Texas is definitely different from the rest of the majority!!!
Message 191 of 635
FireMedic1
Community Leader
Mega Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

SunTrust soon to be Truist. May not matter after the merge. But. EQ FICO Bankcard 8 which differs from BB&T. We'll see soon how they go.


Message 192 of 635
credit_is_crack
Valued Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?


@Aspireto850 wrote:
@credit_is_crack

FWIW, here’s my app info:

Based in Texas:

: Cap One- Experian- June 2019
: Synchrony-Experian- June 2019-PayPal

Transunion:

:Amazon Store Card- Feb 2019
:Capital One-June 2019
: NFCU CC- June 2019

EQ:

: Lowe’s
: US Bank

Thanks for the info @Aspireto850. So for your Capital One did you only get a double pull? If it did you lucked out on that one! 

Message 193 of 635
credit_is_crack
Valued Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?


@FireMedic1 wrote:

SunTrust soon to be Truist. May not matter after the merge. But. EQ FICO Bankcard 8 which differs from BB&T. We'll see soon how they go.


Thanks for the DP @FireMedic1. I do wonder which way they'll sway once they fully merge 

Message 194 of 635
Aspireto850
Established Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

@credit_is_crack,

Unfortunately I did get the Cap One ‘double tap’.

To make matters worse, it’s been 4 mos and I still haven’t received a decision on my pending application. Called them a dozen times over the initial month to no avail.

So now I’m disputing both inquiries with CFPB.








Message 195 of 635
mikesonthemend
Valued Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?


@Aspireto850 wrote:
@credit_is_crack,

Unfortunately I did get the Cap One ‘double tap’.

To make matters worse, it’s been 4 mos and I still haven’t received a decision on my pending application. Called them a dozen times over the initial month to no avail.

So now I’m disputing both inquiries with CFPB.

You had to!




Living through Darwinism is so much worse than learning about about it in school.
Message 196 of 635
Vulcan1
Valued Member

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Even if it a SP, doesn't it affect one's score because it is a New Account?

Message 197 of 635
Anonymous
Not applicable

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

Yes, you’ll still take any new account hit your file is subject to but you won’t take an additional scoring hit from the pull.
Message 198 of 635
randomguy1
Valued Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?

While in Cali:

Capital 1 - Triple pull

Capital 1 Auto - Triple pull

 

TX:

Discover - Exp

Chase - Exp

Barclays - TU

Message 199 of 635
credit_is_crack
Valued Contributor

Re: List of FICO Scores Banks Are Using For Apps/CLIs?


@randomguy1 wrote:

While in Cali:

Capital 1 - Triple pull

Capital 1 Auto - Triple pull

 

TX:

Discover - Exp

Chase - Exp

Barclays - TU


thanks for pitching in the DP's @randomguy1! Every little bit adds up!

Message 200 of 635
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.