AS OF 07/09/23
This post is built to help others see which credit report(s) a bank will pull based on where you are. All the info here comes from fellow MyFICO'rs posts. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), and it does include 2 popular store card exceptions (Macy's & Target).
- GRID #1 = This list calls out which CRA (credit reporting agency) was pulled based on specific states
- GRID #2 = This list calls out which version of the credit report we're seeing pulled with consistent regularity (Fico 8, Fico 9, or even mortgage scores like EX2, EQ5, etc.). Learn more about FICO scores here Your Guide To Credit Scoring
Please approach this understanding this info is for educational purposes, and nothing is guaranteed. This is a YMMV situation.
HOW TO READ THE GRIDS:
- Green Check Mark: Some banks are very consistent with which CRA/Version they pull. These are those "religiously consistent"' pullers
- Yellow Exclamation Point: Some banks bounce between 2 CRA's, but which one they pull unpredictably varies based on where you live along with the specific card. It just means "prepare that it could be either one of the bureau's"
- Green Check Mark + Yellow Exclamation Point: It means that a large part of the time they lean towards the green checkmark, but at times will fall to a secondary report (locked reports, bank errors when trying to pull their primary option, split credit profiles, residency, etc)
GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE (reporting from MyFICO users)?
GRID #2 - WHICH VERSION ARE THEY USING (reporting scoring model)?
KEEP THIS IN MIND: This post calls out which report will likely get pulled when you apply for a credit card, but there are many more things considered during the application process. These items can include things such as:
- A banks sensitivity to recent inquiries or newly opened accounts (I.E - US Bank, Wells Fargo, Chase, etc.)
- Your Income (and for some banks and credit unions, your total open debt)
- A banks level of forgiveness for prior behavior (previous delinquencies, charge-offs, bankruptcy, repo's, etc.)
- A banks sensitivity to how much available credit you already have (more common with credit unions)
- Your credit report age (some banks don't like to the be first to risk big limits, or any limit, on you -- "younger" profiles)
- The state you live in (most banks have contracts with a specific CRA(s) and it covers a multi-state area)
Other Notes:
- Citi Bank: Some members (like folks brand new to a Citi relationship, as a sample) have reported regular double-pulls, but this has not applied to everyone. When that happens be prepared for any combo (EQ/TU , EQ/EX, EX/TU)
- Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for all new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo based on approval threads, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.
- Comenity Bank: This bank has 2 core flavors of cards ("majors" vs "minors" if you will). Majors could be viewed as co-branded cards that offer a Visa/MC option. When applying for one of these, EX is the go-to. For store-cards that do not have the Visa/MC option, EQ is the go-to. This is a YMMV scenario, but the trends are there
- Navy FCU: Navy uses TU9 for new account HPs. Historically they exclusivly used EQ9 for CLI requests, but approval threads showcase Navy is transitioning from EQ9 to TU9 for CLI's. If a HP is required, plan that it could be a 60 TU9/40 EQ9 shot
- Synchrony Bank: Synchrony historically has exclusively pulled TU, but starting in 2019 reports reflected they pulled EX. As a sample their Verizon Credit Card has shown zero consistency with which CRA they pull. Some members report a single pull, double pull and a triple pull. When they pull a single and/or double, there does not seem to be a "primary" or "preferred" CRA.
- Wells Fargo: EX tends to be the 'go-to' CRA for this bank. Some members have reported being double-pulled when their new to Wells Fargo. Expect a doublepull as the worst case scenario
