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Which Report Will They Pull, Part II

credit_is_crack
Valued Contributor

Which Report Will They Pull, Part II

AS OF 11/28/21

 

Hi All - the original thread has been closed so please use/save this one for future reference. If you'd like me to add data simply reply to this thread and tag me - we'll get it updated! Thanks to everyone who has shared info over the years for us to pull this together! Smiley Happy 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). 

 

  • GRID #1 = This list calls out which CRA (credit reporting agency) was pulled based on specific states. 
  • GRID #2 = This list calls out which version of the credit report we're seeing pulled with consistent regularity (Fico 8, Fico 9, or even mortgage scores like EX2, EQ5, etc.). You can learn more about FICO scores here Your Guide To Credit Scoring 

Please approach this understanding this info is for educational purposes, and nothing is guaranteed. This is a YMMV situation. 

 

HOW TO READ THE GRIDS:

  • Some banks are religiously consistent with which CRA (and version) they pull. If that bank row has a green check-mark, then this is one of those "religiously consistent"' pullers
  • Some banks bounce between 2 CRA's, but which one they pull seems to vary based on the state you reside along with the specific card you applied for. These are marked with the yellow exclamation points - it just means "prepare that it could be either one of the bureau's with an exclamation point"
  • If you see a bank listed with a green check-mark and yellow exclamation points, it means that a large part of the time they lean towards the green check-mark, but at times they will fall to a secondary report (locked reports, the bank getting errors when trying to pull their primary option, split credit profiles, state residency, etc)

GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE?

Screen Shot 2021-11-28 at 5.26.41 PM.png

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Screen Shot 2021-11-28 at 5.26.19 PM.png

 

GRID #2 - WHICH VERSION (scoring model) ARE THEY USING?

Screen Shot 2021-11-27 at 8.07.39 AM.png

Screen Shot 2021-11-27 at 8.26.40 AM.pngScreen Shot 2021-11-27 at 8.26.50 AM.pngScreen Shot 2021-11-27 at 8.27.01 AM.png

Screen Shot 2021-11-27 at 8.23.31 AM.png

Screen Shot 2021-11-27 at 8.27.12 AM.png

 

 

Screen Shot 2021-08-07 at 8.12.00 AM.png

CONSIDER THIS: This post calls out which report will likely get "dinged" 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:

  • A banks sensitivity to recent inquiries or newly opened accounts (I.E US Bank, Wells Fargo, Chase, etc.)
  • Your Income (and for some banks and credit unions, your total open debt)
  • A banks level of forgiveness for prior behavior (previous delinquencies, charge-offs, bankruptcy, repo's, etc.)
  • A banks sensitivity to how much available credit you already have (more common with credit unions)
  • Your credit report age (some banks don't like to the be first to risk big limits, or any limit, on you -- "younger" profiles)
  • The state you live in (most banks have contracts with a specific CRA(s) and it covers a multi-state area)

SPECIAL NOTES:

  • Citi Bank: Most new apps/CLI's use EQ, but some cards reflect they will pull EX instead. 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 new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo, 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. No reports were found where Comenity processed a double-pull or pulled TU
  • Navy FCU: Navy uses TU9 for new account HPs. Historically they exclusively 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 card types (like Propel) have been known to pull EX + EQ. Reports have been noted that if someone applied with all CRA's frozen, when the applicant called back in to move forward they'd be advised to unlock EQ only. This is an extreme YMMV case
  • Mortgage Scores: Most credit unions (and a handful of banks) will leverage your mortgage score, vs the standard FICO 8 or 9 version. I've included that information in the "Notes" column
74 REPLIES 74
IaBoy62
Established Contributor

Re: Which Report Will They Pull, Part II

@credit_is_crack 

 

Arvest Bank pulled TU and used FICO 9 in Kansas

 

thanks for all your effort!

Message 2 of 75
Mr_Mojo_Risin
Senior Contributor

Re: Which Report Will They Pull, Part II

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!!!

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 6K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 3 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@IaBoy62 wrote:

@credit_is_crack 

 

Arvest Bank pulled TU and used FICO 9 in Kansas

 

thanks for all your effort!


Thanks @IaBoy62 for the dp. I've added it to the grid

Message 4 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@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)?

Message 5 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

GRID UPDATED

 

  • +Arvest Bank, TU F9 hard pull in KS, @IaBoy62 
Message 6 of 75
Mr_Mojo_Risin
Senior Contributor

Re: Which Report Will They Pull, Part II


@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.

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 6K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 7 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@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 

Message 8 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

GRID UPDATED

 

Message 9 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

GRID UPDATED

 

Message 10 of 75
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