Merrick Bank pulled TransUnion only for their "Double Your Credit Line" Visa. That's a very recent HP, so current information.
(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:
I tried to stab Discover a couple of time and now they adjusted what score model they use. TU FICO 8 now.
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.
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
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?
So are you saying they pulled a FICO 9 EQ HP only? Which doesnt effect your Fico 8 EQ?
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.
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
US Bank Platinum: DW had both EQ and EX according to alerts. Info with card only stated Equifax V9 F.