cancel
Showing results for 
Search instead for 
Did you mean: 

The "Which Banks Pull Which Report For Apps" list

Estimate your FICO® Score range for free

FICO® Score Estimator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued 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/BCP/Delta Gold/Hilton Surpass/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

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





Entering the garden 5/27/2019, staying until 2020
Message 21 of 129
Valued 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)

 

Starting Score: 579
Current Score: 744
Goal Score: 850


Take the myFICO Fitness Challenge

Rebuild Oct. 2018
"My Take Home Pay Don't Take Me Home"

Synovus Tloc/Savor/Venture-AU/DiscoCB/DiscoChrome/Sportsman's Guide Visa-AU/GoodSam's Visa/Lowe's Pro & Lowe's Advantage-AU/Home Depot-AU/Spark-AU/Staples
Message 22 of 129
Valued Contributor

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

@Laurachrisy, we can never have too much info! 

Message 23 of 129
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 129
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



 

Entering "the garden" in July of 2019...hopefully :/







Message 25 of 129
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 129
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?

Entering "the garden" in July of 2019...hopefully :/







Message 27 of 129
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 129
Established 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!

 

Message 29 of 129
Regular 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 Classic Visa Card | $1kDiscover Student Cash Back | $1700Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $2kBest Buy Store Card | $3k
Message 30 of 129
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.