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The "Which Banks Pull Which Report For Apps" list

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Valued Contributor

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


@Aim_High wrote:

@credit_is_crack wrote:
I was surprised that your business card did not pull personal - mine certainly did. Unless you’re Business was under an LLC/INC setup? Mines under a sole prop - smaller, but legitimate side hustle lol

Oops!!!  You're exactly right!!  I miscounted and misspoke about that.  I just went back and rechecked.  (i have free Experian ID Notify membership right now and just looked at inquiries on last report they pulled but it was old.  However, more recent inquiries were also reflected.  I didn't add them all up.  I went back and corrected my original posting to reflect.)

 

So yes, Chase pulled my EX scores for both business and personal account approvals. 

 

My side hustle is small sole proprietorship ... no comment on legitimacy.  Lol Smiley LOL


Smiley LOLSmiley LOLSmiley LOL

Message 111 of 129
Valued Contributor

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

Well, I've got 4 cards with Citi, including DSNB, so they were already significantly extended with me on the 3, so when I asked for the 4th, and they saw 3 recent pulls on EX from Chase and AmEx, I'm sure they wondered if I'd been busy elsewhere, LOL.

I figure they double-pulled for those reasons, never have on any of the others.
New:




Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 112 of 129
Contributor

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

  • BECU TU8 pull, Free Transunion Fico 8 monthly score.
  • Chartway FCU EQ pull (not sure on the model)
  • Langley FCU EQ8 pull per AJC, Free Equifax Fico 8 monthly score.
  • Unify FCU EX2 pull.
Message 113 of 129
Valued Contributor

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


@AllZero wrote:
  • BECU TU8 pull, Free Transunion Fico 8 monthly score.
  • Chartway FCU EQ pull (not sure on the model)
  • Langley FCU EQ8 pull per AJC, Free Equifax Fico 8 monthly score.
  • Unify FCU EX2 pull.

Thanks for info @AllZero! I've added those DP's to our matrix.

Message 114 of 129
Regular Contributor

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

So....Ummmm....

 

I know how to tell what CRA was pulled but where do I look to see what score was pulled?

Starting Score: F8 720
Current Score: F8 784
Goal Score: F8 800


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Message 115 of 129
Valued Contributor

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


@Lucifer wrote:

So....Ummmm....

 

I know how to tell what CRA was pulled but where do I look to see what score was pulled?


Usually after you apply for something you'll get a letter called "The Price You Pay" and it will outline the CRA used and the score used for their decisions. At that points it's just a matter of matching up that figure with the reports you have. 

 

Screen Shot 2019-08-14 at 7.39.40 PM.png

Message 116 of 129
Contributor

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

  1. TU FICO8:
  2. 5/3
  3. Barclays
  4. Keybank
  5. Lowe's
  6. Capital One
  7. Walmart
  8. JCPenny
  9. Amazon.com
  10. Home Depot
  11. Synchrony Bank
  12. Ebates
  13. PayPal Credit
  14. Contiential Finance
  15. TCI Solutions
  16. Merrick Bank
  17. Kemba Credit Union
  18. Superior Credit Union
  19. PayPal Extras
  20. At Home
  21. American Express
  22. US Bank
  23. Cinfed Credit Union
  24. Kohl's
  25. Google Financing
  26. Citi 
  27. Target
  28. Bank of America
Open LOC:
Paid-off Installment Loans:
2018:
2019:
Message 117 of 129
Valued Contributor

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

@513credit - is this a list that pulls TU8 or a different reason?

 

Some of these are just bank names (American Express, Citi, Synchrony, 5/3). Some of them I know are TU pullers but some of these are not. Can you share what you meant with this post?

Message 118 of 129
Community Leader
Valued Contributor

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

What is this list exactly??? Those creditors are known to pull from multiple agencies?  Have no idea what this list refers to???

Message 119 of 129
Contributor

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

"@513credit - is this a list that pulls TU8 or a different reason?" Like I said, it pulls TU8.

@Jnbmom depending where you live that can vary.
Open LOC:
Paid-off Installment Loans:
2018:
2019:
Message 120 of 129
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