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The "Which Banks Pull Which Report For Apps" list

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IncrsCreditScore
Established Contributor

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

Thought I had posted my experience in November in applying for credit cards, but cannot find it, so here goes:

 

Captiol One pulled all three EX  EQ  TU

US Bank pulled EX

RBFCU pulled TU

Bank of America EQ

 








Message 241 of 635
Egaffne2
Regular Contributor

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

Wait I thought US bank pulled TU not EX... What score did they pull? 9 or 8?
What state are u in?
Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%


Message 242 of 635
mikesonthemend
Valued Contributor

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

US Bank pulled TU9 on 1st card, EQ? on 2nd. Georgia




Living through Darwinism is so much worse than learning about about it in school.
Message 243 of 635
Egaffne2
Regular Contributor

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

Huntington uses fico 8 u say? What bureau did they use or bureaus?
Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%


Message 244 of 635
IncrsCreditScore
Established Contributor

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

Have no idea if they pulled 8 or 9, going by credit report inquiries.

Texas








Message 245 of 635
Anonymous
Not applicable

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

Us bank also pulled experian for me last year. I'm in Boston Massachusetts.
It was a denial. Us bank is the one bank I'm unable to get approved for so far I tried last year after 1 or 2 recent approvals, and I know I should have known better since I dont have a relationship with them..
Message 246 of 635
rudolphreindeer
Regular Contributor

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

Hi forum! My DPs, in Idaho, all in 2 last months:

 

1. SynCB (PayPal MC) - pulled all three EX, EQ, TU... It was my first cc app ever and at that time my credit history was 0, no score at all. May be that's why they pulled all 3 (trying to find at least something LOL). I had no clue I need a credit history to be approved.

2. Cap One (Secured card) - all three EX, EQ, TU

3. Discover (Student card) - EX, EQ

4. BofA (Cash rewards) - EX (Warning. I got pre-qualify link and tried it and it "qualified" me for cash rewards card without even having any credit score!!! There is some glitch in their pre-qual prog.) 

5. Chase (Sapphire Preferred) - EX (applied after I got a score from AU, thought now I can get any card I want)

6. Amex (Cash Magnet) - EX

7. Discover (Secured) - EX

 

Needless to say that out of 7 I got approved only for 2 secured...learning-learning-learning...

 

I consider myself now in the first month of my credit history, because its only a month since my CR was generated.

I got my first Cap1 statement and I was amazed that it appeared on EX and EQ the next day already! but not on TU yet.

 

I am interested to apply for HSBC card. Aksed in their chat. They said they will pull EQ.

 

Here in our area - GESA CU. I asked - they said they will most likely pull TU.

 

That's all my DP for now.

 

 

FICO® Score 8 (Apr 2021)
EX 764 | EQ 771 | TU 800



TCL: $72,900
INQs in last (6 m./12 m.)
EX (2/2) | EQ (0/2) | TU (0/1)
Message 247 of 635
GApeachy
Super Contributor

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


@rudolphreindeer 

 

 


Congrats on your two approvals...... gotta hand it to you  "Go Big or Go Home" Smiley Wink  Eventually your Discover card will unsecure, you'll get your $ back and hopefully a sweet cli to boot!  Discover will allow you to call in periodically and add $ to your credit limit in the form of a cli, soft pull credit approval.  The earliest Disco unsecures is around the 7 month; good luck and congrats again.

My Take Home Pay Don't Take Me Home
Message 248 of 635
GApeachy
Super Contributor

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

Also, others will chime in to advise how to optimize your scores, I won't....cuz I know enough to be dangerous but don't app too much (if at all for awhile)

 

ETA: @credit_is_crack    I got a hp for a store card (wayfair- pulled EQ) doing the SCT.  Never a hp on a major with Comenity doing the sct but I have now gotten two hp's on two store cards since Nov 2018 and yesterday.  Idk if that means anything or not besides just blahSmiley Sad

My Take Home Pay Don't Take Me Home
Message 249 of 635
rudolphreindeer
Regular Contributor

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

Thanks, GApeachy! Smiley Happy

I already loaded my Disco with max ($2500) so I think it will not be CLI very soon. I only wish to have it unsecured and hope it will be after 7th statement! Yeah I am pretty happy that I got at least two secured cards!

FICO® Score 8 (Apr 2021)
EX 764 | EQ 771 | TU 800



TCL: $72,900
INQs in last (6 m./12 m.)
EX (2/2) | EQ (0/2) | TU (0/1)
Message 250 of 635
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