Capital One Venture One they pull all 3 NY...
>
DPs from NY.
1st Century Bank / MidFirst - Experian FICO 8
ABNB FCU - Equifax FICO 8
Abound FCU - Transunion FICO 8
Addition FCU - Experian FICO 8
Affinity FCU - Experian FICO 8
Alliant - Transunion Vantage 4.0 (Primary), but will pull Experian if there are issues “reading” the TU file.
American Airlines CU - Experian FICO 8
American Eagle FCU - Transunion FICO 8
America First FCU - Experian FICO 8
Apex Card Services (Pinnacle Bank, Ridgewood Savings Bank, etc) - Experian FICO 8
Apple FCU - Transunion FICO 8
Ascend FCU - Experian FICO 8
Arizona Financial CU - Experian FICO 8
Barclays - Transunion FICO 8 (Primary), but will pull Experian if TU is frozen upon request.
BoA - Experian FICO 8, Transunion FICO 8 for Business Cards.
BCU - Transunion Vantage 4.0 (Primary), but will pull Experian instead upon request if applying over the phone instead of online which pulls TU automatically.
BECU - Transunion FICO 8
Bethpage FCU - Experian FICO 8
BFSFCU - Equifax FICO 8
BMO - Transunion Vantage 4.0
Broadview FCU - Experian Vantage 3.0
Canvas CU - Experian FICO 8
Card Assets (FAB&T) - Equifax FICO 8, but will randomly pull Experian sometimes.
Cascade FCU - Experian FICO 8
Chartway FCU - Experian FICO 8
Citadel CU - Transunion FICO 8, but will pull Experian if TU is frozen.
Citi - Experian, sometimes Equifax
Citi Retail (LL Bean, Macys, etc) - Equifax primarily, but will occasionally pull Experian instead.
Citizens Bank - Equifax FICO 8
Clearview FCU - Transunion FICO 8
Coastal CU - Equifax FICO 8
CU Hawaii - Transunion FICO 8
Delta Community FCU - Experian FICO 8
Fairwinds FCU - Equifax FICO 8
Fifth Third - Transunion Vantage 3.0
First Commerce CU - Equifax FICO 8
First Hawaiian Bank - Equifax FICO 8, but will pull Transunion or Experian upon request instead.
First Tech FCU - Experian FICO 8
FNBO - Experian FICO 8
Gather FCU - Experian FICO 8
Global FCU - Experian FICO 8
GreenState FCU - Transunion FICO 8
Hickam FCU - Experian FICO 8
Hawaii Central FCU - Transunion FICO 8
Hawaii Community FCU - Transunion FICO 8
HawaiiUSA FCU - Transunion FICO 8
HFS FCU - Transunion FICO 8
Huntington Bank - Transunion FICO 8
Hudson Valley FCU - Experian FICO 8
ICBC - Experian FICO 8
Idaho Central Credit Union - Experian FICO 8
InFirst FCU - Experian FICO 8
Kauai Credit Union - Transunion FICO 8
KeyBank - Equifax FICO 8 (Laurel Road via KeyBank pulls TransUnion FICO 8)
Kinecta FCU - Pulls either Experian, Transunion, or Equifax FICO 8. Sometimes all 3.
M&T Bank - Experian FICO 8, but will occasionally pull Transunion
Maui County FCU - Experian FICO 8
Merck Employees FCU - Equifax FICO 8
MHV FCU - Experian FICO 8
Mountain America FCU - Experian FICO 8
Northwest FCU - Equifax FICO 8
NYMCU - Experian FICO 8
Pearl Hawaii CU - Transunion FICO 8
People’s Choice CU - Transunion FICO 8
Petal - Experian Vantage 3.0
PNC - Experian FICO 8
Polish & Slavic FCU - Experian FICO 8
Redstone FCU - Experian FICO 8
RBFCU - Experian Vantage 4.0
RTP FCU - Equifax FICO 8
Santander Bank - Experian FICO 8
SDFCU - Experian FICO 8
South Carolina FCU - Equifax FICO 8
SchoolsFirst FCU - Experian FICO 5
Scott CU - Transunion FICO 8
Seattle CU - Experian FICO 8
SecurityPlus FCU - Transunion FICO 8
Security Service FCU - Transunion Vantage 3.0
Service FCU - Experian FICO 10
SoFi Bank - Experian FICO 8
Stanford FCU - Experian FICO 8
Suncoast FCU - Experian FICO 5
Teacher’s FCU - Transunion FICO 8
Tech CU - Experian FICO 8
TD Bank - Experian FICO 8
Topside FCU - Equifax FICO 8
Tower FCU - Transunion FICO 8
UBS - Transunion FICO 8
UMB Bank - Transunion FICO 8
UKR FCU - Experian FICO 8
UNFCU - Experian FICO 8 (Will not approve unless you've been a member for at least 12 months)
Unify FCU - Experian FICO 8
USAA - Experian FICO 3
US Bank - Experian FICO 9 (TU FICO 9 for CLI and Lending)
Veridian CU - Transunion FICO 8
Visions FCU - Experian FICO 5
Wells Fargo - Experian FICO 8 (Occasionally pulls Equifax FICO 8 for Business CC/Lending)
Wright-Patt FCU - Transunion FICO 8
WSECU (Washington State Educators CU) - Experian Auto 8
@credit_is_crack wrote:
@Apexdv wrote: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.Added Umpqua Bank to the grid!
Umpqua cards are via Elan. I'd make note of that. I spoke with them a while back and was told they used EQ for Auto Loans and PLOC since those are in-house.
Here's some DPs for new card inqs from TN:
Citi pulled Equifax
AMEX double pulled Experian & TransUnion
Hi All - just noticed I can no longer edit the main post and did read that it's a function change for the site. Here is the last update.
- Added Elan next to Umpqua Bank - @northway
- EQ HP in TN for Citi - @Windchill92
- EX/TU HP's in TN for Amex - @Windchill92
@Brian_Earl_Spilner @coldfusion @FireMedic1 - Since I can't edit can someone lock this post please? It was a good run 
Data points can change quickly as new versions come out and hopefully this thread helped a few folks along the way
Updated as of 09/17/23
GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE (reporting from MyFICO users)?
GRID #2 - WHICH VERSION ARE THEY USING (reporting scoring model)?
@credit_is_crackYou could go into HTML next to "Rich Text" and copy the chart. Paste it in a new post with updates.
@FireMedic1 wrote:@credit_is_crackYou could go into HTML next to "Rich Text" and copy the chart. Paste it in a new post with updates.
@FireMedic1 is that specific to windows? I dont see that option (I'm on a mac and tried it in safari and chrome). when i click the text icon i get this lol like it launched developer mode or something
Click Post. Like your going to post a responce. Top of text editor on the site under the bold "Body" You got rich text, HTML, and Preview. Click HTML. Theres your code for your chart to copy and paste in a new post. It will look like a bunch of code. Then click "Rich Text". You can edit it all you want as before.
