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The "Which Banks Pull Which Report For Apps" list

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Aim_High
Super Contributor
‎01-30-2020 02:32 PM
‎01-30-2020 02:32 PM

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

@M_Smart007 wrote:

BMO Harris Pulls TU (Unknown what version)

Not new account or Inq. sensitive.

Approved for Cash Back Card $7500.00

I Had 20 TU Inqs. at time of App. 1/22/2020 and LOL/24 New accounts.Smiley Tongue

"If you apply, Apply by phone. Otherwise expect a denial"

OMG ... 20 TU Inqs?!?   Smiley Tongue

You're baaaadddddd .....

Amazing you got approved!

Congrats and thanks for the DP's!

 

*They only have physical branches in a few states. 

Are they geo-fenced?  Just curious ...


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 261 of 635
M_Smart007
Legendary Contributor
‎01-30-2020 02:34 PM
‎01-30-2020 02:34 PM

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

@GApeachy wrote:
@M_Smart007 wrote:

 

BMO Harris Pulls TU (Unknown what version)

Not new account or Inq. sensitive.

Approved for Cash Back Card $7500.00

I Had 20 TU Inqs. at time of App. 1/22/2020 and LOL/24 New accounts.Smiley Tongue

 

"If you apply, Apply by phone. Otherwise expect a denial"

 

Lol/24.....you go! Smiley Very Happy  (Congrats btwSmiley Wink )   *Why is that?

They will deny you for being outside their service area, but applying by phone overrides that.

Mahraja gave Me that inside scoop.

 

I think that is what you were asking.

Message 262 of 635
M_Smart007
Legendary Contributor
‎01-30-2020 02:36 PM
‎01-30-2020 02:36 PM

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

@Aim_High wrote:
@M_Smart007 wrote:

BMO Harris Pulls TU (Unknown what version)

Not new account or Inq. sensitive.

Approved for Cash Back Card $7500.00

I Had 20 TU Inqs. at time of App. 1/22/2020 and LOL/24 New accounts.Smiley Tongue

"If you apply, Apply by phone. Otherwise expect a denial"

OMG ... 20 TU Inqs?!?   Smiley Tongue

You're baaaadddddd .....

Amazing you got approved!

Congrats and thanks for the DP's!

 

*They only have physical branches in a few states. 

Are they geo-fenced?  Just curious ...

@Aim_High 

..geo-fenced, but if you open any savings or checking account online,

and apply by phone, it overides the geo-fencing. IMO

 

https://en.wikipedia.org/wiki/BMO_Harris_Bank

Message 263 of 635
MrCreditInternational
Frequent Contributor
‎02-16-2020 04:28 PM
‎02-16-2020 04:28 PM

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

One thing I've learned about Synchrony is that they pull either EX or TU first, then the other one, then EQ. So if both EX and TU are locked, they'll pull EQ.

 

I've tried that with 3 cards including one few days ago Smiley Happy

 

I think anyone trying to spread their inquiries might find this information useful.

 

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018
Message 264 of 635
Anonymous
Not applicable
‎02-16-2020 06:30 PM
‎02-16-2020 06:30 PM

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

Apple Card.. FICO 9 TU.

 

just applied, was denied. (I've gotten 4 new cards this week... oops) email said my TU was 661. Dug through all of my scores on myFICO, matches nothing. Didn't even match CK.. googled and Apple says they use fico9. 

it didnt add up to what score they gave me. 

 

denied for too many inquiries. I've been apping strong. Time to garden.

Message 265 of 635
MrCreditInternational
Frequent Contributor
‎02-16-2020 07:23 PM
‎02-16-2020 07:23 PM

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

TD Bank seems to be pulling EX only (even for Nordstrom card), unsure which version tho.

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018
Message 266 of 635
ZackAttack
Established Contributor
‎02-19-2020 10:48 PM
‎02-19-2020 10:48 PM

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

@Anonymous wrote:

Apple Card.. FICO 9 TU.

 

just applied, was denied. (I've gotten 4 new cards this week... oops) email said my TU was 661. Dug through all of my scores on myFICO, matches nothing. Didn't even match CK.. googled and Apple says they use fico9. 

it didnt add up to what score they gave me. 

 

denied for too many inquiries. I've been apping strong. Time to garden.

Credit Karma is using a different score module. They do not use any FICO module what so ever.

 

Vantage Score 3.0 is what Credit Karma uses.

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Message 267 of 635
MrCreditInternational
Frequent Contributor
‎03-02-2020 11:04 AM
‎03-02-2020 11:04 AM

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

Just applied for the Citi AAdvantage Platinum and they pulled TU. I have a Citi TYP card.

 

I was approved for 2500$

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018
Message 268 of 635
M_Smart007
Legendary Contributor
‎03-02-2020 11:46 AM
‎03-02-2020 11:46 AM

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

@MrCreditInternational wrote:

Just applied for the Citi AAdvantage Platinum and they pulled TU. I have a Citi TYP card.

 

I was approved for 2500$

Congratulations!

Message 269 of 635
Anonymous
Not applicable
‎03-02-2020 12:13 PM
‎03-02-2020 12:13 PM

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

Congratulations!
Message 270 of 635
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