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Which Report Will They Pull, Part 2

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credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@Who_wuda_thought wrote:

@credit_is_crack 


@credit_is_crack wrote:
  • 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.  

I thought I should probably mention that Synchrony HP'd EQ for a Walgreen's app on 11-19-22.

Yeah, I was a bit surprised, and more than annoyed at the time, as I expected EX and/or TU, not my just used EQ!

EQ Inquiries 11-20-22.png

 


Thanks for sharing @Who_wuda_thought  -- that is quite odd, but with these banks anything goes!

Message 121 of 197
Biz_Credit_CA
New Visitor

Re: Which Report Will They Pull, Part II

Thanks for the work you do for this community. It's invaluable!

 

I'm assuming that the FICO 8/9 you are referring to is the FICO Bankcard 8/9 ?

 

 

Message 122 of 197
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@Biz_Credit_CA wrote:

Thanks for the work you do for this community. It's invaluable!

 

I'm assuming that the FICO 8/9 you are referring to is the FICO Bankcard 8/9 ?

 

 


Hi @Biz_Credit_CA 

 

The FICO 8/9 references are the general (main) scores. Most members post which version (8 or 9) but don't necessarily list if it's the main or bank card.  

Message 123 of 197
House1204
Contributor

Re: Which Report Will They Pull, Part 2

Chartway CU pulled Experian on me 02-02-2023.








Message 124 of 197
911gt34life
Frequent Contributor

Re: Which Report Will They Pull, Part 2

citizens bank pull only equifax NY

>
Message 125 of 197
1GaDawg85
Valued Contributor

Re: Which Report Will They Pull, Part 2

Wanted to share some DP's from GA based on pulls that I have on my report since June 22.

 

Citi Best Buy - EQ + EX

Elan - TU

Dover CU - EX

Comenity Major (Bread AMEX) - EX

PNC - EX

FNBO - EX

Chase - EQ + EX

WF - TU

Citi Major - EX

Citi Best Buy CLI - EQ

Pentagon CU CLI - EQ

Elan (different credit union) - EQ

Disco - EX

 

Hope this helps the group!


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 126 of 197
Zoostation1
Established Contributor

Re: Which Report Will They Pull, Part 2

This is probably not new data, but doesn't hurt to add more.

Location: NC. Lender: Amex (new customer). Pulled EX and TU (score listed in the letter that came with my welcome packet was my EX8 classic).

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
March 2024 FICO 8:
March 2024 FICO 9:
Message 127 of 197
BRYANSUAVO
Established Member

Re: Which Report Will They Pull, Part 2

US bank pulled equifax, elan financials pulled equifax. As of feb 2023. Both for the MAX cards. In florida.





Inquiries (6/12/24):







Message 128 of 197
MySunrise271
Established Contributor

Re: Which Report Will They Pull, Part II

I applied and was approved for Navy Federal CU Platinum MC on 2/8/2023; applied and was approved for Regions Life Visa on 1/30/2023 they both pulled TU, and I'm in IL.

Message 129 of 197
coldfusion
Community Leader
Mega Contributor

Re: Which Report Will They Pull, Part II

I've been procrastinating about tossing out some data points for Massachusetts for quite a while but will share some, in some cases going back 3-4 years. 

 

53 Bank - EX

Affinity FCU - EX

Alliant FCU - TU

BoA -EX

BoA -EQ (different card, not a double pull) 

Chartway FCU - EX

Chase - EX

Citi - EX

Citi - EQ (different card,  not a double pull)

Citi/DNSB - EX

Citi National Bank - EX

Citizens Bank - EQ

Comenity minor - EQ

Comenity major - EX

Commerce Bank (co-branded) - EQ

DCU - EQ

Elan/USB - EX

FNBO - EX

M&T - EX

PNC - EX

SDFCU - EX  (HP for membership which was denied, not an application for credit)

Synchrony - EX

TD Bank/Target - EQ

UNFCU - EX

US Bank - EX

Wells Fargo - EX

 

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 130 of 197
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