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The "Which Banks Pull Which Report For Apps" list

Auto Loans for ANY Credit Situation. Immediate Response.
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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 191 of 198
Established 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!

Message 192 of 198
Established 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 193 of 198
Valued Contributor

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.


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Entering the garden 5/27/2019, staying until 2020
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Message 194 of 198
Frequent 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 195 of 198
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 196 of 198
Valued Contributor

Re: The "Which Banks Pull Which Report For Apps" list

*Updated list to include my recent UMB app* they seem to favor TU, but unsure if it was F8 or F9. I'll update as we get more DP's 

Message 197 of 198
Highlighted
Community Leader
Mega Contributor

Re: The "Which Banks Pull Which Report For Apps" list

If prequal is generated through Credit Journey, there is pretty good chance Chase will pull TU in addition to EX or EQ because their data is used for prequals. 

 

 

EX 759 EQ 774 TU 753


Message 198 of 198
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