The "Which Banks Pull Which Report For Apps" list

[GApeachy]

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@Anonymous wrote:

LOL... don’t feel bad I recently learned about it myself from the CFPB manual on CRA’s. It’s a small CRA, owned by TU I believe, that focuses on payday loans and advances and “subprime activity.”

https://www.factortrust.com/consumer/ReportRequest.aspx

I pulled mine and plan to freeze. I actually froze a few. Coincidentally they were the only lender on there. So it seems like an effort to accommodate everyone to trying to look high and low. Trying to freeze everything noticed some can be frozen online, but several you have to do the mail or fax thing.

***Edited 8/22/19 to add link.

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Edit: is there a link on here with all the cr's?

[GApeachy]

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@credit_is_crack wrote:
I don’t even know what a FactorTrust report is lol where do you find that at and is it another little report out there?

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Go do it.  I now have to freeze my reports it looks like.

Edit: I just looked up the address on google and the ppl that live at that address listed on Factor Trust have criminal warnings on MyLife.  Someone tried to get a loan in my name in Dec 2017, American Credit Acceptance.

[credit_is_crack]

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@MrCreditInternational wrote:
I noticed that you don't have HSBC. They pull EQ exclusively as far as I know. They report to EX and EQ but not TU for some reason. I think they use FICO8 for approval but provide EQ FICO NG1 in the monthly statement for some reason.

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You are 100% right on HSBC -- everytime I hear HSBC all I think is 'Orchard Bank' lol I didn't have any DP's for them but I'll certainly add them to the list. I didn't know about them not reporting to TU, but they're not really US based so I guess if any large bank was to leave off a CRA, HSBC would have their name in that bucket

[credit_is_crack]

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@Anonymous wrote:
Post 132 edited to include link to FactorTrust.

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Thanks for posting the link @Birdman7! I'm always learning something new on here

[credit_is_crack]

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@GApeachy wrote:

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@credit_is_crack wrote:
I don’t even know what a FactorTrust report is lol where do you find that at and is it another little report out there?

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Go do it.  I now have to freeze my reports it looks like.

Edit: I just looked up the address on google and the ppl that live at that address listed on Factor Trust have criminal warnings on MyLife.  Someone tried to get a loan in my name in Dec 2017, American Credit Acceptance.

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I looked min up and there was no info listed other than my name, DOb, SSN, "first reported date" of 2012. It had zero trades and no info, but it definetly shows GS took a look lol 

[Anonymous]

@LauraC List of CRAs by CFPB:

https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies-list.pdf

[Anonymous]

CiC I told you Apple was looking high and low!

[GApeachy]

Synovus pulled EQ Fico 8 on DH yesterday for an installment.

[Anonymous]

Synovus pulled EQ on me, I just didn’t know which version.

[GApeachy]

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@Anonymous wrote:
Synovus pulled EQ on me, I just didn’t know which version.

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Our LO told us, I already knew that beforehand, but she gave him his score and told me too. 771 eq fico 8.  I just pulled DHs 3b and it's 771 eq fico 8.  This is in GA idk what they pull for the Floridians.