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The "Which Banks Pull Which Report For Apps" list

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Valued Contributor

The "Which Banks Pull Which Report For Apps" list

UPDATED 05/18/2020

 

I've updated this grid to include a new segment.

  • Grid #1 = This list identifies which CRA a bank is most likely to pull based on the state you live in. I pulled this from all the DP's folks have shared on this thread. As more members share state DP's, we'll update the grid.
  • Grid #2 = This list identifies which version of the credit report we're seeing pulled with consistent regularity (Fico 8 vs Fico 9). If a bank is known to pull something other than F8/F9, then I've called that out in the "Other" column 

This is a YMMV situation and this list is designed for personal card apps. 

 

Several other factors apply and vary by lender (inquiry/new account sensitive, income, forgiveness for prior behavior, total available credit, age of report, credit seeking behavior, the state you live in, etc.). This is just to share what they are most likely to pull based on reported data points.

 

CALL-OUTS:

  • BB&T: Members have reported that if you check the pre-qualified link ( BB&T PreQual Link ) and get offers accepting that card does not result in a HP. If you submit a cold app fully expect a HP, but many posters have shared, along with at least 2 confirmation calls to the bank directly, that when you 'accept' an offer, it will be approved with a SP
  • Capital One: Many users have posted Cap1 success stories, but I could not find enough DP's on which versions they tend to pull. Some users have reported the FICO3 version being used so I've noted that. If you have DP's for Cap1 please reply to the thread and I'll update it accordingly. We definitely know they pull all 3 per application
  • Citi Bank: Most new apps/CLI's use EQ, but some cards (like reports from Prestige) reflect they will pull EX instead. Some members (like folks brand new to a Citi relationship, as a sample) have reported double-pulls. When that happens be prepared for any combo (EQ/TU , EQ/EX, EX/TU)
  • Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.  
  • Comenity Bank: This bank has 2 core flavors of cards ("majors" vs "minors" if you will). Majors could be viewed as co-branded cards that offer a Visa/MC option. When applying for one of these, EX is the go-to. For store-cards that do not have the Visa/MC option, EQ is the go-to. No reports were found where Comenity processed a double-pull or pulled TU
  • Navy FCU: Uses two bureau's depending on the transaction. New Apps = TU, CLI's = EQ 
  • Synchrony Bank: Synchrony historically has exclusively pulled TU, but a handful of reports from 2019 reflected they pulled EX 
  • Wells Fargo: EX tends to be the 'go-to' CRA for this bank. Some card types (like Propel) have been known to pull EX + EQ. Reports have been noted that if someone applied with all CRA's frozen, when the applicant called back in to move forward they'd be advised to unlock EQ only. This is an extreme YMMV case

How To Read It:

  • Some banks are religiously consistent with which CRA (and version) they pull. These are marked with the green check-mark
  • Some banks bounce between 2 CRA's (same version), but which one they pull seems to vary based on the state you reside along with the specific card you applied for. These are marked with the yellow exclamation points - it just means "prepare that it could be either of these"
  • If you see a bank listed with a green check-mark and yellow exclamation points, it means that a large part of the time they lean towards the green check-mark, but at times they will fall to a secondary report (locked reports, the bank getting errors when trying to pull their primary option, split credit profiles, state residency, etc)

Hope this helps! 

 

GRID #1 - WHICH CRA FOR WHICH STATE?

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Screen Shot 2020-05-18 at 9.37.17 PM.png

 

GRID #2 - WHICH VERSION OF THE CREDIT REPORT IS PULLED?

Screen Shot 2020-05-18 at 9.33.06 PM.pngScreen Shot 2020-05-18 at 9.33.14 PM.pngScreen Shot 2020-05-18 at 9.33.24 PM.png

Screen Shot 2020-05-18 at 9.37.06 PM.png

 

348 REPLIES 348
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Established Contributor

Re: Banks using FICO8 vs FICO9 for Apps


@credit_is_crack wrote:

So I went on a mini-spree recently and the one thing I noticed is that more and more banks appear to have migrated to using the FICO 9 version instead of FICO 8. Just wanted to share in case anyone was curious (as I know a lot of us apply based on our best foot). This is YMMV - some folks see auto increases from F8 < F9, some see auto decreases. Not sure what's driving the divide though. I'm referring to the core FICO 8 & 9 score, not the bankcard or specialized versions.

 

As a sample my scores as of todays report (03/18/19):

EXPERIAN -- FICO8 (765) < FICO9 (798)

EQUIFAX -- FICO8 (764) < FICO9 (797)

TRANS UNION -- FICO8 (783) < FICO9 (800)

 

My "Price you pay" letter descriptions from apps over last 8-10 months. Some were for new apps, some for CLI's or mergers (Navy is known to use TU for new apps and then EQ for CLIs, I'm sure a few others do that too). 

 

  • Bank of America, TU F8 (new app)
  • Amex, EX F8 (new app & SP CLI)
  • Citibank, EQ F8 (SP CLI)
  • Chase, EX F8 (new app)
  • USAA, EX F2 (HP CLI) - get with it USAA!
  • PNC Bank, EX F9 (new app)
  • US Bank, TU F9 (new app)
  • Synovus, EQ F9 (new app)
  • Navy FCU, EQ F9 (HP CLI)
  • PenFed FCU, EQ F9 (SP CLI)
  • FNBO, EX F9 (SP CLI)

Great information!  Thanks for sharing!

Message 2 of 349
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Super Contributor

Re: Banks using FICO8 vs FICO9 for Apps

Thx CIC

 

Wells Fargo uses EX09 for checking/savings.  Dunno about credit tho



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 3 of 349
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Valued Contributor

Re: Banks using FICO8 vs FICO9 for Apps


@Meanmchine wrote:

Thx CIC

 

Wells Fargo uses EX09 for checking/savings.  Dunno about credit tho


Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

Message 4 of 349
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Valued Contributor

Re: Banks using FICO8 vs FICO9 for Apps

Updated to include Fifth-Third Bank

Message 5 of 349
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Valued Contributor

Re: Banks using FICO8 vs FICO9 for Apps


@credit_is_crack wrote:

@Meanmchine wrote:

Thx CIC

 

Wells Fargo uses EX09 for checking/savings.  Dunno about credit tho


Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

 

They Pulled my EX9 when they approved me Sep of  last year 2018.


 

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 5 EQ 3 TU 1
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 0/6 ; 1/12 & 3/24
Message 6 of 349
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New Contributor

Re: Banks using FICO8 vs FICO9 for Apps

FICO EX9. It also gives me my FICO EX9 in my account. They have been using it for several years.
FICO8 Scores:
EX: 686 – 4/1/2019
TU: 708 – 4/1/2019
EQ: 712 – 4/1/2019



FICO9 Scores:
EX: 682 – 4/1/2019
TU: 710 – 4/1/2019
EQ: 729 – 4/1/2019


Message 7 of 349
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Valued Contributor

Re: Banks using FICO8 vs FICO9 for Apps


@JR_TX wrote:

@credit_is_crack wrote:

@Meanmchine wrote:

Thx CIC

 

Wells Fargo uses EX09 for checking/savings.  Dunno about credit tho


Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume

 

They Pulled my EX9 when they approved me Sep of  last year 2018.


 


Thanks for the info @JR_TX and @FicoGuy2019. I added it to the list

 
Message 8 of 349
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Valued Contributor

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

Awesome information for a single thread!
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $265k
Message 9 of 349
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Frequent Contributor

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

Very helpful....thank u

Message 10 of 349
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