AS OF 01/07/23
Thanks to everyone who has shared info over the years for us to pull this together! A lot of folks left various notes on the old thread so feel free to poke around The "Which Banks Pull Which Report For Apps" list
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).
Please approach this understanding this info is for educational purposes, and nothing is guaranteed. This is a YMMV situation.
HOW TO READ THE GRIDS:
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:
Other Notes:
This is such a great resource for the community, we really appreciate you taking the time to make it happen!
Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
@Mr_Mojo_Risin wrote:This is such a great resource for the community, we really appreciate you taking the time to make it happen!
Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
This is a good note @Mr_Mojo_Risin
Which card did you apply for at that time, and what state are you in (if you don't mind)?
@credit_is_crack wrote:
@Mr_Mojo_Risin wrote:This is such a great resource for the community, we really appreciate you taking the time to make it happen!
Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
This is a good note @Mr_Mojo_Risin
Which card did you apply for at that time, and what state are you in (if you don't mind)?
Forgot to add those, sorry about that.
I applied for the Custom Cash and I'm in Ohio.
@Mr_Mojo_Risin wrote:
@credit_is_crack wrote:
@Mr_Mojo_Risin wrote:This is such a great resource for the community, we really appreciate you taking the time to make it happen!
Citi pulled EX BC8 for me a few weeks back, not the classic EX8. Idk if that matters much but thought I would add it to the thread here.
It's Friday, enjoy your weekend!!!
This is a good note @Mr_Mojo_Risin
Which card did you apply for at that time, and what state are you in (if you don't mind)?
Forgot to add those, sorry about that.
I applied for the Custom Cash and I'm in Ohio.
Thanks @Mr_Mojo_Risin