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The "Which Banks Pull Which Report For Apps" list

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Established Contributor

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

DW just received US Bank Platinum via an EQ pull. They pulled TU on me in March, so I don't know if this is an oddity or a new development.

Message 91 of 129
Frequent Contributor

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

US Bank Plat Card TU FICO 8 only (Az) 06/18/19

Discover It Card Ex Fico 8 only (Az)  06/19/19

Citizen One (Az) SP EQ HP EQ Fico 8 only Confirmed on phone 06/20/19

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 92 of 129
Frequent Contributor

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


@FicoGuy2019 wrote:

@credit_is_crack wrote:

@FicoGuy2019 wrote:

This was for the Wells Fargo Platinum. 

I did some digging and here is what I found. 21 Wells Fargo approvals in 2019 pulled EX only (11 of those were for the platinum card). 1 WF approval showed they pulled EX and EQ (propel card). I found one post someone else applied and forgot all their reports were on ice - when they called about unlocking they were advised to thaw EQ only and that is what was used for their app. 

 

It looks like EX is the default CRA for WF when all reports are open, but yours is only the 2nd post I've seen where they used EQ exclusively. The only common denominator was both applicants applied with frozen CRA's. It's still too few to tell if that's the reason you had EQ pulled, but EX seems to be their go to. I'll add a note to the grid -- thanks for the info @FicoGuy2019


 

Here is the letter I received in the mail today.  Since they pull EX9, I wonder if they pull EQ9 as well?

 

wf_platium_app.jpg


So are you saying they pulled a FICO 9 EQ HP only? Which doesnt effect your Fico 8 EQ?

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 93 of 129
Frequent Contributor

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

I didn't unlock my report to finish applying.  If they would have pulled a FICO9 or FICO8, one or both could both still be impacted by the inquiry...but it really depends on your credit profile as sometimes inquiries cause no change at all.

| BofA Premium Rewards $65k | BofA BankAmericard $30k | Amex Zync $5k | Amex ED $25k | Amex CashMagnet $20K | Amex Gold $45k POT | Amex Platinum | NFCU CR $17k | Discover it CB $15k | Capital One QS $5k |
Utilization 1% | AAOA 2yrs, 3months |



July 2019 - EQ8: 801 | EX8:804 | TU8: 814
Message 94 of 129
Frequent Contributor

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

Wells gives me a Fico 9 EX at 787 with my bank account, if they pulled Fico 9 and it doesnt effect my Fico 8, Id try it for Plat Card

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 95 of 129
Established Contributor

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

US Bank Platinum: DW had both EQ and EX according to alerts. Info with card only stated Equifax V9 F.

Message 96 of 129
Valued Contributor

Equifax Pullers?

I'm looking for an Equifax Puller / Soft Pull Preapproval

 

Any one...?







Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.

I WANT to join: Hanscom FCU (For the 2 day early direct deposit).


Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 97 of 129
Established Contributor

Re: Equifax Pullers?

BB&T is what you want (soft pre-approval).  Synovus is also EQ F9 but it will be a HP.

 

 

Message 98 of 129
Valued Contributor

Re: Equifax Pullers?

where is the pre-approval link for BB&T ?







Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.

I WANT to join: Hanscom FCU (For the 2 day early direct deposit).


Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 99 of 129
Established Contributor

Re: Equifax Pullers?


@MyDataMyChoice wrote:

where is the pre-approval link for BB&T ?


https://www.bbt.com/offers/checkOffers

 

If you live outside of their footprint it may not have been showing for you.

 

GL

Message 100 of 129
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