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
Frequent Contributor

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


@credit_is_crack wrote:

Thanks for the DPs @FicoGuy2019 -- which card did you apply for? I'm wondering if they use specific CRA's on particular cards (I've seen a few instances where EQ was pulled for Propel), or if by chance they default to EQ when needing to go thru the process manually since yours were all locked. Let me know and we'll get our chart updated.


This was for the Wells Fargo Platinum. 

| BofA Premium Rewards $65k | BofA BankAmericard $30k | Amex Zync $5k | Amex ED $25k | Amex CashMagnet $20K | Amex Gold $45k POT | Amex Platinum | NFCU CR $17k | Discover it CB $15k | Capital One QS $5k |
Utilization 1% | AAOA 2yrs, 3months |



July 2019 - EQ8: 801 | EX8:804 | TU8: 814
Message 81 of 129
Super Contributor

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

I'm not sure if it's been stated yet in this thread, but even if so it's probably worth saying again.  Even though a potential lender may only HP one bureau for an app, it's completely possible that they're pulling your other one or two credit reports via SPs and using all of the data they've obtained in the lending decision.

 

I think it's common to believe that a potential lender will only see the CR that they HP, but that's definitely not always the case.

Message 82 of 129
Valued Contributor

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


@FicoGuy2019 wrote:

This was for the Wells Fargo Platinum. 

I did some digging and here is what I found. 21 Wells Fargo approvals in 2019 pulled EX only (11 of those were for the platinum card). 1 WF approval showed they pulled EX and EQ (propel card). I found one post someone else applied and forgot all their reports were on ice - when they called about unlocking they were advised to thaw EQ only and that is what was used for their app. 

 

It looks like EX is the default CRA for WF when all reports are open, but yours is only the 2nd post I've seen where they used EQ exclusively. The only common denominator was both applicants applied with frozen CRA's. It's still too few to tell if that's the reason you had EQ pulled, but EX seems to be their go to. I'll add a note to the grid -- thanks for the info @FicoGuy2019

Message 83 of 129
Frequent Contributor

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


@credit_is_crack wrote:

@FicoGuy2019 wrote:

This was for the Wells Fargo Platinum. 

I did some digging and here is what I found. 21 Wells Fargo approvals in 2019 pulled EX only (11 of those were for the platinum card). 1 WF approval showed they pulled EX and EQ (propel card). I found one post someone else applied and forgot all their reports were on ice - when they called about unlocking they were advised to thaw EQ only and that is what was used for their app. 

 

It looks like EX is the default CRA for WF when all reports are open, but yours is only the 2nd post I've seen where they used EQ exclusively. The only common denominator was both applicants applied with frozen CRA's. It's still too few to tell if that's the reason you had EQ pulled, but EX seems to be their go to. I'll add a note to the grid -- thanks for the info @FicoGuy2019


 

Here is the letter I received in the mail today.  Since they pull EX9, I wonder if they pull EQ9 as well?

 

wf_platium_app.jpg

| BofA Premium Rewards $65k | BofA BankAmericard $30k | Amex Zync $5k | Amex ED $25k | Amex CashMagnet $20K | Amex Gold $45k POT | Amex Platinum | NFCU CR $17k | Discover it CB $15k | Capital One QS $5k |
Utilization 1% | AAOA 2yrs, 3months |



July 2019 - EQ8: 801 | EX8:804 | TU8: 814
Message 84 of 129
Contributor

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

Sorry if this had been asked before in the thread but does anyone know if Chase pulls TU & EX in NY?
Discover: $4800
Cap One QS: $1651
CFU: $3400
PPMC: $800
AAOA: 15 mos
Experian (fico 8) 744
Transunion (fico 8) 750
Equifax (fico 8) 741
Message 85 of 129
Regular Contributor

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


@Fated4Credit wrote:
Sorry if this had been asked before in the thread but does anyone know if Chase pulls TU & EX in NY?

It's most likely the info that is listed on the main OP post that started this thread. Just look at the picture and find what it says for Chase.

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 86 of 129
New Member

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

USAA seems to now pull EX Bankcard Enhanced Fico3 vs. Fico2 (this was for the Amex Rewards card). Confirmed the score they provided on the denial letter matched exactly what was on my Experian bankcard FICO scores report the same day.

Message 87 of 129
Valued Contributor

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

Thanks for the DP's @ClevelandIndians! I've updated the chart to reflect F3 vs F2 - thanks! 

Message 88 of 129
Frequent Contributor

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

(Unexpectedly) US Bank pulled EQ for my recent app for the Altitude Reserve. And, upon recon they pulled EX

 

They pulled TU for my cash+ back in October (as expected). I'm curious if:

  • This was an anomaly
  • They pull different bureaus for different cards
  • They pull TU for your first card and pull another bureau for any additional cards
  • None of the above - Other

Message 89 of 129
Regular Contributor

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

I tried to stab Discover a couple of time and now they adjusted what score model they use. TU FICO 8 now.

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 90 of 129
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.