Which Report Will They Pull, Part 2

[claus]

it's overwhelmingly experian. 

[donkort]

In my general experience within NYC, Experian is pulled the most, followed by TransUnion. Equifax is hardly ever pulled.

[isik]

Comenity Capital (Ikea Projekt store card, Comenity minors(?)) - EX - 4/23

Chase - EX - 4/23

TX

[drewricomakeubu]

Is it normal for Amex to pull LexisNexis? I applied via SP because my EX was fixed today and my score jumped to 784 and got denied. On the letter they sent through email they didn't give a reason but listed LexisNexis as a report. 

Probably just gonna put a security freeze on that report and be done with it. 

[drewricomakeubu]

Kentucky apps

Chase Ink Unlimited HP EX

AMEX BCP HP EX and TU

[credit_is_crack]

Hi All - updated the grids. I've only added data points for the ones that did not exist, but thanks for the extra data @debianx74 , @donkort -- @drewricomakeubu I didn't add the Chase Ink data point because it's a business card and that sphere works quite differently than personal cards. 

• EX/TU HP's in VA for American Express, @Roisin 
• TU HP in WA for Mission Lane, @Apexdv 
• EX HP in WA for Credit One, @Apexdv 
• EX/TU HP's in GA for American Express, @negusthoth 
• TU HP in CA for Wells Fargo, @Absolution16 
• EX HP in TX for Comenity Capital, @isik (you are correct, the IKEA Projekt card would be considered a minor for the purposes of this grid)

[credit_is_crack]

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@drewricomakeubu wrote:

Is it normal for Amex to pull LexisNexis? I applied via SP because my EX was fixed today and my score jumped to 784 and got denied. On the letter they sent through email they didn't give a reason but listed LexisNexis as a report. 

Probably just gonna put a security freeze on that report and be done with it. 

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@drewricomakeubu Amex used to exclusively pull EX for everything and never ventured out, but in the last 2 years they've taken a liking to double-pulls for some, adding TU into the mix. Something has changed so I wouldn't be surprised if they have lexisnexis rolled in there somewhere too. The score jump is quite nice, but could be timing (gotta give it a month or so for all the other places to see the change). 

[Mad12345]

Bump

[Apexdv]

Umpqua Bank, WA - EX

Spoke with a loan officer there today. Says they use Experian for CC and auto loans. Mortgage pulls all three. Chex for new checking accounts. They also have a "Visa Max Cash Secured Card": $300 minimum, 5k max deposit and "may" graduate to unsecured after 12 months and a 680+ FICO.

[butterpecan]

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@Mad12345 wrote:

Bump

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@Mad12345 What does bump mean and/or do when you post it this way?