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The "Which Banks Pull Which Report For Apps" list

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

Wanted to post my info since it differs a bit, I am located in NJ and the recent apps have been as follows; unfortunately I cannot confirm 08 vs 09 for any other than PenFed and NFCU): 

 

Citi, Chase (both new and CLI), Discover, AMEX, US Bank, PNC: EX

 

Discover, Barclays, BOA, NFCU(NEW CC): TU

 

PenFed, NFCU (CLI), DCU, BB&T: EQ

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Message 31 of 129
Regular Contributor

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

Well, I got recently decline from Discover for a credit line increase. I got no clue about the 2 other bureaus if they do soft pull but with what I currently have they pulled TransUnion with Fico Score 4 rating.

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 32 of 129
Valued Contributor

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


@asmith613 wrote:

Wanted to post my info since it differs a bit, I am located in NJ and the recent apps have been as follows; unfortunately I cannot confirm 08 vs 09 for any other than PenFed and NFCU): 

 

Citi, Chase (both new and CLI), Discover, AMEX, US Bank, PNC: EX

 

Discover, Barclays, BOA, NFCU(NEW CC): TU

 

PenFed, NFCU (CLI), DCU, BB&T: EQ


Thanks for sharing @asmith613

 

You jotted down that Discover pulled EX, and again under TU. Was one of those a CLI and the other a new card, or something else?

Message 33 of 129
Valued Contributor

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


@ZackAttack wrote:

Well, I got recently decline from Discover for a credit line increase. I got no clue about the 2 other bureaus if they do soft pull but with what I currently have they pulled TransUnion with Fico Score 4 rating.


Thanks for the info @ZackAttack -- Disco does tend to pull TU on those CLI requests, but I'm surprised about the 04 rating. I don't have them any longer but when I did they always pulled the F8 version. Interesting. 

Message 34 of 129
Valued Contributor

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


@ZackAttack wrote:

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?


Good callout @ZackAttack! You know Cap1 never occurred to me. I don't have anything with them but they are certainly around. I've always known they triple pull, but do you know if they are F8 or F9 pullers? Or maybe something else? 

 

Anybody know?

Message 35 of 129
Regular Contributor

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


@credit_is_crack wrote:

@ZackAttack wrote:

Well, I got recently decline from Discover for a credit line increase. I got no clue about the 2 other bureaus if they do soft pull but with what I currently have they pulled TransUnion with Fico Score 4 rating.


Thanks for the info @ZackAttack -- Disco does tend to pull TU on those CLI requests, but I'm surprised about the 04 rating. I don't have them any longer but when I did they always pulled the F8 version. Interesting. 


I looked at the closest score on the paper and is fico 4 in compare to today


@credit_is_crack wrote:

@ZackAttack wrote:

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?


Good callout @ZackAttack! You know Cap1 never occurred to me. I don't have anything with them but they are certainly around. I've always known they triple pull, but do you know if they are F8 or F9 pullers? Or maybe something else? 

 

Anybody know?


I know when they pulled my experian score, it was Fico 8 or 9 ... I recently applied again and the system said denied ... so now I am waiting for a letter to come and maybe leave Cap 1 behind since it doesn't look like they will ever approve me.

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 36 of 129
Regular Contributor

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

I not so sure if Synchrony is using TU Fico 8. I just got my denial letter a few moments ago by email and the score game to be 683. When I compare with myFico scores that are listed. It doesn't come anywhere near that. All the FICO scores listed for TU says they are over 700.

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 37 of 129
Established Contributor

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


@ZackAttack wrote:

I not so sure if Synchrony is using TU Fico 8. I just got my denial letter a few moments ago by email and the score game to be 683. When I compare with myFico scores that are listed. It doesn't come anywhere near that. All the FICO scores listed for TU says they are over 700.


Pay attention to the pull date with SYNC. They have pulled 90 day old reports on me.

Message 38 of 129
Valued Member

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

@credit_is_crack yes sorry I should have clarified. One was for a secured card and the other was for an unsecured. They were both on the same day so let me see if I can I figure out which was which!
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Message 39 of 129
Regular Contributor

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


@mikesonthemend wrote:

@ZackAttack wrote:

I not so sure if Synchrony is using TU Fico 8. I just got my denial letter a few moments ago by email and the score game to be 683. When I compare with myFico scores that are listed. It doesn't come anywhere near that. All the FICO scores listed for TU says they are over 700.


Pay attention to the pull date with SYNC. They have pulled 90 day old reports on me.


The pull date on the letter says April 6. And I check the history and nothing comes close to that number for me.

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 40 of 129
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