Which Report Will They Pull, Part 2

[shojus]

Data points for Michigan:

5-14-2025

*Citibank Custom Cash - Pulled Experian only.

*US Bank Ralph's World Elite MasterCard - Pulled TransUnion only.

*Comenity/Bread Financial AAA Daily Advantage Visa- Pulled Equifax only, but I received a "7-10 day waiting" message and I believe it's due to having my LexisNexis/Innovis frozen, as apparently that's what they use to identify you.  So we'll see when I get an email or letter what it states.  It's definitely NOT because of my scores, hard pulls or DTI, etc.  Most on this forum claim the letter states they need to verify your information over the phone or that you need to apply after 30 days.  

[IaBoy62]

I can add one more from Kansas:

Commonwealth CU (Kentucky)  TU FICO 8

[QuiescentAMK]

Great resource, thanks!

Hope this helps (I'm in PA & these go back 2.5 years max. Citibank and M&T are within last year):

Amex BCP - EX & TU

Discover - EX

Synchrony/Verizon - EX & TU using VS 4.0

Cap One - all 3 as usual

Ally - EX

Citibank - EQ

M&T Visa Sig - EX (they do a hard pull for CLI requests too)

Members First FCU Visa Sig - TU

[Windchill92]

Tennessee (TN):

Citibank retail: Experian (EX)

[14YHWH]

I noticed the grids have not been updated in a couple years and I'm grateful for @credit_is_crack for creating this and all prior contributors.

I'm relatively new to this community, so feel free to slap my hand if I'm breaking any rules, but what do you think of an "online" version of the grids?

I created the file below in Excel as a starting point for Grid # 1.

Option 1 - Credit Application Pulls 

If the idea is acceptable, we can create a post with a link to the Excel file and not worry about updating the original post all the time - a problem experienced by @credit_is_crack.

So far the Excel file I created only mirrors information that @credit_is_crack had and is not updated for the data points since his 07-09-2023 screenshot, but I easily can.

Also, thinking ahead --- so one person does not feel overwhelmed with updating the Excel file continuously, I can give access to 2 or 3 members here, assuming anyone is interested in helping maintain the file. FYI, updating the file is very easy -- all you need to do is insert rows for new banks and just copy & paste the formulas.

Thanks for your thoughts and feedback.

NOTE: I assume the "MP" state abbreviations on Grid #1 were supposed to be "MS" so I already corrected that on my version --- unless the "Northern Mariana Islands" (a Commonwealth) are more populated than I thought - lol

Take care.

Experian - 844

TransUnion - 845

Equifax - 848

My Goal = The Trifecta  (850 at all 3)

[Windchill92]

I'm onboard with a shared spreadsheet version since it hasn't been updated in a while, and especially since lenders are now using VantageScores.

However, would recommend using shared google sheets b/c that link looks hella sketchy, even running it through VirusTotal.

Appreciate the suggestions and effort! Welcome to the forums!

[FICOdawg]

A bank not on the list out of Florida.   Space Coast Credit Union: they pull all three and FICO8 as they did on me back on 12/24

[14YHWH]

Thanks for your feedback on Google Sheets vs Excel.

Below is the link to the Google Sheets version:

Option # 2 - Which Credit Report Will They Pull

I'm open to any more feedback.

Thanks and I'll create Grid # 2 one of these evenings when I have some extra time.

[14YHWH]

Thanks again for the feedback.

The Google Sheet is done with Grid #1 and Grid #2.

Click here for the link.

I don't want to overstep my bounds, so if the moderators and others think it is okay to create a new post with the Google Sheet link, I can do it. That way, all replies to the post will result in the Google Sheet being updated and the link will always be the same.

I know I'm a newbie, so I'm open to any feedback.