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The "Which Banks Pull Which Report For Apps" list

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Frequent Contributor

Re: Banks That use Transunion only.

DCU pulls Equifax Mortgage score.

Message 91 of 436
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Frequent Contributor

Re: Banks That use Transunion only.

Merrick Bank pulled TransUnion only for their "Double Your Credit Line" Visa.   That's a very recent HP,  so current information.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $700 CL
Capital One QuicksilverOne (3/19) - $1650 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $1000 CL
Amazon Prime Store Card (4/20) - $4800 CL
NFCU cashRewards (4/20) - $500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL

Experian FICO Score - 8/2018: 528

Experian FICO Score - 8/2020 - 672
Equifax FICO score 7/2020 - 668
TransUnion FICO score 7/2020 - 655
Message 92 of 436
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Frequent Contributor

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

(Unexpectedly) US Bank pulled EQ for my recent app for the Altitude Reserve. And, upon recon they pulled EX

 

They pulled TU for my cash+ back in October (as expected). I'm curious if:

  • This was an anomaly
  • They pull different bureaus for different cards
  • They pull TU for your first card and pull another bureau for any additional cards
  • None of the above - Other

Message 93 of 436
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Frequent Contributor

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

I tried to stab Discover a couple of time and now they adjusted what score model they use. TU FICO 8 now.

Michigan Schools & Gov't Credit Union Titanium Visa | $5kDiscover Student Cash Back | $3,050Amex 1.5% CB | $3.9kBest Buy Store Card | $3kChase Student Card | $1k

Future Potenital Cards
AOD 3%
Gas Card 4% or 5%
Dining & Enterainment 3%
Amazon 5%
USB Cash 5%
BOA Cash Rewards (if it ever goes back to Mastercard)
Message 94 of 436
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Valued 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.




Living through Darwinism is so much worse than learning about about it in school.
Message 95 of 436
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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 96 of 436
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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 97 of 436
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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.

Message 98 of 436
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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 99 of 436
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Valued 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.




Living through Darwinism is so much worse than learning about about it in school.
Message 100 of 436
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