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The "Which Banks Pull Which Report For Apps" list

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Super Contributor

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

I got 2 Chase cards last year, a month or so apart. No prior relationship. Both times, single pull EX.

I must update Citi, tho..they double pulled EQ and EX, but I believe because they saw the 3 other recent inquiries before them. They were toward the end of the spree. Had prior relationship with Citi, tho and they had never double pulled me or went outside EQ.
But Citi and Disco were the end of the spree and both double-pulled me...I figured cuz they saw Chase had pulled twice a month apart and then AmEx...I think they were trying to see the extent of the spree.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 111 of 436
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Valued Contributor

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


@Birdman7 wrote:

Recently,

Disco-EX-new app w/reservation code.
FNBO Ducks-EX
USB-TU-new app cash+

Older 6-13 months

Barclays is TU (SP CLI)
Elan is TU (SP CLI)
Chase-EX only ***(twice, one pull each for 2 separate cards a month or so apart) edited***
Synch-TU (SP CLI)
Citi-EQ AND EX ***edited***
Disco-new app double pull EQ/EX
AmEx-EX
USB-TU
5/3-TU
BBT-EQ

Thanks for making this thread, you’re doing an awesome job, great wealth of info.


No problem! It wasn't until i discovered this site that I learned what a rebuild was and how to tackle it. I practically stalked this site. Now I'm on the other side and in a spot to be able to contribute - glad it helps! I'm not sure how I overlooked Barclays for the list - they are hardcore lovers with TU. I'll get them added on

Message 112 of 436
Highlighted
Valued Contributor

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


@Birdman7 wrote:
I got 2 Chase cards last year, a month or so apart. No prior relationship. Both times, single pull EX.

I must update Citi, tho..they double pulled EQ and EX, but I believe because they saw the 3 other recent inquiries before them. They were toward the end of the spree. Had prior relationship with Citi, tho and they had never double pulled me or went outside EQ.

Citi has always been consistent for me. I haven't applied for anywhere nears as many new cards as I did 2-3 years ago, but now that I've moved from FL to SC I am noticing that its a regional thing. In FL EX and TU seemed to be all that got beat up, but here in SC EQ is taking some punches. As always YMMV but still good to see the variances - serious credit nerd here lol 

Message 113 of 436
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Valued Contributor

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


@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



Updated 07/20/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (July 2020)
Total Open Credit Lines Over $521K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:8)
New Accounts: 3/6 months; 9/12 months; 12/24 months (as of 07/20/20)
Gardening until at least 04/2021.
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 114 of 436
Highlighted
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 115 of 436
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Super 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.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 116 of 436
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Super 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 117 of 436
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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 118 of 436
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Frequent 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?

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Message 119 of 436
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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. 

 

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Message 120 of 436
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