The "Which Banks Pull Which Report For Apps" list

[mikesonthemend]

Cap1 pulled all three for both DW and myself.

[mikesonthemend]

DW was EX and EQ for Citi Double Cashback approval.

[ZackAttack]

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@credit_is_crack wrote:

Updated List, +BB&T Bank

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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)

[credit_is_crack]

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@mikesonthemend wrote:

Cap1 pulled all three for both DW and myself.

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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

[mikesonthemend]

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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)

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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.

[mikesonthemend]

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.

[credit_is_crack]

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@mikesonthemend wrote:

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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)

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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.

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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

[ZackAttack]

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@mikesonthemend wrote:

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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)

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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.

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

[mikesonthemend]

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@ZackAttack wrote:

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

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

[ZackAttack]

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@mikesonthemend wrote:

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@ZackAttack wrote:

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

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

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