The "Which Banks Pull Which Report For Apps" list

[Anonymous]

Nusenda FCU is EX2.

Do we have any data on Regions?

[credit_is_crack]

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@Anonymous wrote:
Nusenda FCU is EX2.

Do we have any data on Regions?

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I've only seen a few DP's supporting it but I understood they favor TU F8. They also have a prequal link. It asks for a lot more than other sites but it'll tell you if you're pre-approved the cards you're good for, the APR and the limit. Extremely similar to the Apple Card process, they just ask for a lot more info. Here is the link https://www.regions.com/personal-banking/credit-cards just click on the "check for offers" button

I've added Nusenda to the grid - thanks for the DP and Happy Thanksgiving! 

[Anonymous]

citi doublecash - experian fico8-  ohio - only.

[credit_is_crack]

Thanks @513credit! You know I was thinking about going back thru the thread and getting our notes together showing the bank/CRA pulled/state reported, but I think it could get dense very quickly, but I know others reading thru the thread are using all these nuggets so at least we have a pseudo-source to pick thru. Thanks for the DP! 

[Anonymous]

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@credit_is_crack wrote:

Thanks @513credit! You know I was thinking about going back thru the thread and getting our notes together showing the bank/CRA pulled/state reported, but I think it could get dense very quickly, but I know others reading thru the thread are using all these nuggets so at least we have a pseudo-source to pick thru. Thanks for the DP! 

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That would be nice, but way too time consuming to turn into a table/chart!

Maybe update the OP to introduce a suggested post format for posts going forward. Not everyone will read it, but some might! I like to list the state because when I lived down south, the same cards I have now pulled different cra's than up here in the midwest. 

As a good example.. Citi DCB pulled TU8 in Georgia but EX8 here in Ohio.

[Anonymous]

Any reason why that is? You would think if "Citi" for example pulls EX, it would be nationwide. Not vary depending on State/location. 

I could see the reason being changing it up to get the "whole" picture on someone, as opposed to consistantly pulling EX and seeing the same thing.

[mikesonthemend]

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@Anonymous wrote:

Any reason why that is? You would think if "Citi" for example pulls EX, it would be nationwide. Not vary depending on State/location. 

I could see the reason being changing it up to get the "whole" picture on someone, as opposed to consistantly pulling EX and seeing the same thing.

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In the early years of credit reporting it was a very regional effort. Mainly due to communication limitations, as in long distance phone charges. Today's big 3 CRs were cobbled together from many smaller companies.

For years, Equifax was the only player in the Southeast, and still is for the older regional lenders.

[Anonymous]

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@Anonymous wrote:

Any reason why that is? You would think if "Citi" for example pulls EX, it would be nationwide. Not vary depending on State/location. 

I could see the reason being changing it up to get the "whole" picture on someone, as opposed to consistantly pulling EX and seeing the same thing.

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I always assumed that in each region of a bank's location they would have contracts with one/or more of the major three to use as their primary. There has to be a reason why credit unions LOVE equifax. 

[mikesonthemend]

HSBC Equifax nextGen (150 - 950) in Georgia

[M_Smart007]

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@mikesonthemend wrote:

HSBC Equifax nextGen (150 - 950) in Georgia

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Also same used in California.