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The "Which Banks Pull Which Report For Apps" list

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Community Leader
Senior Contributor

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

C_i_c, you’re welcome. I actually just looked at my reports this week and sent off HIPAA letters to TU and EQ, and looked at my inquiries. Definitely both HPs for the opening of the cards were on EX, and as I mentioned, they noted EQ in a couple CLI letters. Only HPs I have in EQ are for Citi CLIs for my Home Depot card, and one for opening my Discover card.

I’m in NY if it comes down to that, by the way.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





TCL $64,850 | Agg. Util under 5%
Message 21 of 436
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Senior Contributor

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


@ImTheDevil wrote:
In case anyone cares about Comenity, or for the sake of completeness, they pulled FICO EX08 for both of my apps, and I have seen reference to checking my FICO EQ08 in CLI letters.

EDIT: ( I added non-bank info. Sorry)

 

”MY TAKE HOME PAY DON’T TAKE ME HOME”

Message 22 of 436
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Valued Contributor

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

@Laurachrisy, we can never have too much info! 

Message 23 of 436
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Valued Contributor

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

Rcv'd quite a few PM's so bumping thread.

Message 24 of 436
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New Contributor

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

I have the Crate & barrel mastercard from Synchrony (got it last November); they pulled TU8 and I live in Washington state



 

Gardening since May of 2020








Message 25 of 436
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Valued Contributor

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


@jwa77 wrote:

I have the Crate & barrel mastercard from Synchrony (got it last November); they pulled TU8 and I live in Washington state



 


Synchrony and TU have a deep thing going on. I've recently seen a few posts where they pulled EX which was crazy, they've always been known to be a TU fan. It's almost creepily predictable, but stranger things have happened. I added them to the list - not sure how I missed them. 

Message 26 of 436
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New Contributor

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

I think a bigger question I have is this--for me specifically--TU is always much higher than the other 2 (seems more difficult to get disputes resolved favorably with EX and EQ --who find reasons to magically not process disputes I set up online).  why do so many of the "good" cc companies use EX and EQ instead of TU?

Gardening since May of 2020








Message 27 of 436
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Valued Contributor

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


@jwa77 wrote:

I think a bigger question I have is this--for me specifically--TU is always much higher than the other 2 (seems more difficult to get disputes resolved favorably with EX and EQ --who find reasons to magically not process disputes I set up online).  why do so many of the "good" cc companies use EX and EQ instead of TU?


I have no idea Smiley LOL but I get what you mean. My TU has always been my higher score and my EQ has always been the one that barely moves. It always putters a few points up and down and took forever to get it up where it's at, but I can tell that out of all 3 EQ tends to be the one to penalize me the most for never letting my AoYA get to 12 months.

Message 28 of 436
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Valued Contributor

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

Great thread, Crack.

 

Some more for you:

Georgia resident

 

Cap1, all 3, duh

All SYNC, TU

US Bank, TU

Disco, EQ

Kohl's (Cap1), TU only

Big Lots Commenity, EQ

AMEX, EX

Chase, EX & TU

Citi, EQ

 

Thanks for doing this!

 




Living through Darwinism is so much worse than learning about about it in school.
Message 29 of 436
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Frequent Contributor

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

What a nice thread. Smiley Happy I can't wait to see what finally drags lenders on pulling which bureau.

 

By the way, where is Capital One on that chart?

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 30 of 436
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