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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

Cap1 pulled all three for both DW and myself.




Living through Darwinism is so much worse than learning about about it in school.
Message 51 of 436
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Valued Contributor

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

DW was EX and EQ for Citi Double Cashback approval.




Living through Darwinism is so much worse than learning about about it in school.
Message 52 of 436
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Frequent Contributor

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


@credit_is_crack wrote:

Updated List, +BB&T Bank


I believe that someone mention Discover too :/

 

I've noticed that if you don't use the pre-qualify it's Experian

Pre-qualify is Equifax

CL is TU (Fico Score 4)

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 53 of 436
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Valued Contributor

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


@mikesonthemend wrote:

Cap1 pulled all three for both DW and myself.


Do you know which versions they pulled by chance? We were originally thinking they would be Fico 8, but looks like people get scores way off what they know and could be they are pulling FICO 3 scores, but that would only applies to EX. Still unsure what the other two versions are (TU and EX). I just placed a note that we definitely know its a triple pull

Message 54 of 436
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Valued Contributor

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



I believe that someone mention Discover too :/

 

I've noticed that if you don't use the pre-qualify it's Experian

Pre-qualify is Equifax

CL is TU (Fico Score 4)


This. Exactly! I went through DISCO pre-qual page and was an EQ pull. DW didn't get DISCO pre-qual offer, her EQ was strong and I told her to go for it. They pulled EX and denied.




Living through Darwinism is so much worse than learning about about it in school.
Message 55 of 436
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Valued Contributor

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

I do not have acceptance papers, but do not recall any scoring info in them. Each of my denials for CLIs have been generic denials without pulls.




Living through Darwinism is so much worse than learning about about it in school.
Message 56 of 436
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Valued Contributor

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


@mikesonthemend wrote:


I believe that someone mention Discover too :/

 

I've noticed that if you don't use the pre-qualify it's Experian

Pre-qualify is Equifax

CL is TU (Fico Score 4)


This. Exactly! I went through DISCO pre-qual page and was an EQ pull. DW didn't get DISCO pre-qual offer, her EQ was strong and I told her to go for it. They pulled EX and denied.


Nice catch! I've only applied with them once before and it was thru a pre-qual, they did pull EQ. This makes a lot of sense when reading about the various Discover posts. I've added it to the list

Message 57 of 436
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Frequent Contributor

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


@mikesonthemend wrote:


I believe that someone mention Discover too :/

 

I've noticed that if you don't use the pre-qualify it's Experian

Pre-qualify is Equifax

CL is TU (Fico Score 4)


This. Exactly! I went through DISCO pre-qual page and was an EQ pull. DW didn't get DISCO pre-qual offer, her EQ was strong and I told her to go for it. They pulled EX and denied.


Did she do it the right way? Go thru the pre-qual first and continue thru it instead of just jumping into an app?

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 58 of 436
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Valued Contributor

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


@ZackAttack wrote:


Did she do it the right way? Go thru the pre-qual first and continue thru it instead of just jumping into an app?


Absolutely. No offers. Signed up for the free credit score. Tried again in 2 weeks. No offers. Apped anyway and they pulled EX.




Living through Darwinism is so much worse than learning about about it in school.
Message 59 of 436
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Frequent Contributor

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


@mikesonthemend wrote:

@ZackAttack wrote:


Did she do it the right way? Go thru the pre-qual first and continue thru it instead of just jumping into an app?


Absolutely. No offers. Signed up for the free credit score. Tried again in 2 weeks. No offers. Apped anyway and they pulled EX.


Yeah, sounds like she went the normal way if there was no offers from the pre-qual.

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 60 of 436
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