Which Report Will They Pull, Part 2

[RobynJ]

Thought I would add my recent pulls for Delaware 

Amex BCP  double pull EX and TU both Fico 8

NFCU Auto loan pulled TU Fico 4*****
I was made to believe they would pull TU fico9 but that was untrue. 

[credit_is_crack]

Grid Updated - thanks for the data points 

• TU HP for Elan in IL, @MySunrise271 & @spiritcraft1 
• EX HP for FNBO in IL, @MySunrise271 
• EQ HP for Citi in TX, @Vegasr 
• TU HP for Bank of America in IL, @spiritcraft1 
• EX HP for Elan in CA, @Anonymous 
• EQ HP for Citi in CA, @Anonymous 
• EX + TU HP's for American Express in DE, @RobynJ 

@RobynJ your Amex double-pull is an anomaly and quite rare. I've read that they "could" but never saw anyone (on here) report it actually happened to them. Your TU4 auto pull sounds right; Navy tends to use the F9 versions for cards and sometimes their CLOC

@RobynJ & @spiritcraft1 Since this post is exclusive to personal credit cards I didn't add any info about your business apps, personal or auto loans

[Anonymous]

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@Anonymous wrote:

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@jethrobillybob wrote:

@credit_is_crack couple more for recent Texas HP inquiries-

Wells Fargo HP from Equifax for Auto card

Citi Custom Cash - HP from Experian ***IMPORTANT NOTE ON CITI*** New Policy: they auto reject apps if ANY inquiries from ANY other credit cards happen on the SAME DAY OR WITHIN 5 DAYS of your citi app.  Called and spoke to two reps and a supervisor, this cannot be overridden via recon it is a hard denial, have to reapply after no inquiries for 5 days.  They said other than the auto denial my profile looked great.  I waited 10 days and was eventually approved but cost me another HP which im still pissed about.

May have a few more in the coming weeks will update if different from the graph.

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Thanks for setting this up very helpful!  Hopefully more people can find your post and contribute!

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Thx for Citi DP, I did get Citi AA MileUp less than like 2 days after apping for WF Bilt and Barclays Hawaiian Airlines, maybe 'retail' account doesn't count? But AA account is already set up on the same page as Citi DC, unlike Citi Best Buy store card..

Anyway, Banc of California for Max Preferred, tragically EX, not TU. I live in SoCal, near LA

Citi AA MileUp EQ, just like Citi Best Buy Store last time, unlike the usual EX Citi pulls

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Which is weird, bc I swear Citi AA Platinum and Costco were EXs. Don't mind since it might have contributed to my highest SL, 7300. But frankly don't get it 

[Who_wuda_thought]

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@credit_is_crack wrote:

@RobynJ your Amex double-pull is an anomaly and quite rare. I've read that they "could" but never saw anyone (on here) report it actually happened to them. Your TU4 auto pull sounds right; Navy tends to use the F9 versions for cards and sometimes their CLOC

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@credit_is_crack 

10/23/22 - My (first) AMEX BCP app resulted in same dual EX & TU HP's (OKLA)

[Anonymous]

Amex pulled EX and TU for me too this Jan., for Delta Gold. In fact just like Synchrony

[ChargedUp]

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@Anonymous wrote:

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@Curious_George2 wrote:

Elan Financial Services pulled TU for me, in California. @ChargedUp reports they consistently pull TU in Southern California, not the EX currently shown in the table.

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Nope, I believed @ChargedUp 's DP and apped for Banc of California Max Preferred, got instantly hit from Chase credit journey, EX, easily my worst bureau

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Elan hit my TU for both the BoC MC and the previously named Florida Community Bank Visa (now generic Elan Everyday Rewards +) in OC, CA.

[sugarcreek67]

Fairwinds CU pulls EQ for credit products in Indiana

[credit_is_crack]

Grid Updated 

• EX/TU HP's for American Express in OK, @Who_wuda_thought 
• TU HP for Elan (Bank of California & First Community Bank) in CA, @ChargedUp
• +Fairwinds Credit Union, @sugarcreek67 
• EQ HP for Fairwinds CU in IN, @sugarcreek67 

[credit_is_crack]

Added the Other Notes section from prior post

Other Notes:

• Citi Bank: Some members (like folks brand new to a Citi relationship, as a sample) have reported regular double-pulls, but this has not applied to everyone. When that happens be prepared for any combo (EQ/TU , EQ/EX, EX/TU)
• Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for all new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo based on approval threads, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.  
• Comenity Bank: This bank has 2 core flavors of cards ("majors" vs "minors" if you will). Majors could be viewed as co-branded cards that offer a Visa/MC option. When applying for one of these, EX is the go-to. For store-cards that do not have the Visa/MC option, EQ is the go-to. This is a YMMV scenario, but the trends are there
• Navy FCU: Navy uses TU9 for new account HPs. Historically they exclusivly used EQ9 for CLI requests, but approval threads showcase Navy is transitioning from EQ9 to TU9 for CLI's. If a HP is required, plan that it could be a 60 TU9/40 EQ9 shot 
• 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.  
• Wells Fargo: EX tends to be the 'go-to' CRA for this bank. Some members have reported being double-pulled when their new to Wells Fargo. Expect a doublepull as the worst case scenario

[Who_wuda_thought]

@credit_is_crack 

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@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.  

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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!