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Which Report Will They Pull, Part II

credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

GRID UPDATED

 

Thanks for the notes!

Message 21 of 75
BenTramer1978
New Contributor

Re: Which Report Will They Pull, Part II

Also I guess I could throw this in from 8 months ago. Amazon Synchrony TU HP in MD

Message 22 of 75
ReGuy71
Established Member

Re: Which Report Will They Pull, Part II

Some stats from OR:

US Bank - pulled EXP 8 for my secured card (approved) in Aug 2020

Apple Card - pulled TU (approved) in April 2021

Langley - pulled EQ 9 for my secured card (approved) in Aug 2021

Citibank - pulled TU for my secured card app in Sep 2020 (not approved)

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $1,700 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$60 balance (opened 4/21)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO
Message 23 of 75
fredohp
New Visitor

Re: Which Report Will They Pull, Part II

Thank you so much for putting this information together it is very helpful!  Quick question, I apologize if this was already answered and I missed it.  Is there information like this for mortgage lenders to tell you which bureau or score each uses when determining your mortgage loan application or refi application?

 

 

Message 24 of 75
Trudy
Valued Contributor

Re: Which Report Will They Pull, Part II


@fredohp wrote:

Thank you so much for putting this information together it is very helpful!  Quick question, I apologize if this was already answered and I missed it.  Is there information like this for mortgage lenders to tell you which bureau or score each uses when determining your mortgage loan application or refi application?

 

 


@fredohp  Almost all, if not all mortgage lenders pull all 3B MTG scores (EQ5,TU4,EX2) and use the middle score

FICO - 8: 09/09/21 AU 8 BC 8
FICO - 9: 09/09/21 AU 9 BC 9
F5,F4,F2 09/09/21 AU... BC...
Vantage 09/09/21
As of 09/01/21:
AoOA - 25Y6M | AoYA – 0Y10M | AAoA – 12Y4M
Open: 11 CC: (1 reporting 2.84% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 46.89% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 25 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II


@Trudy wrote:

@fredohp wrote:

Thank you so much for putting this information together it is very helpful!  Quick question, I apologize if this was already answered and I missed it.  Is there information like this for mortgage lenders to tell you which bureau or score each uses when determining your mortgage loan application or refi application?

 

 


@fredohp  Almost all, if not all mortgage lenders pull all 3B MTG scores (EQ5,TU4,EX2) and use the middle score


Nailed it! Always assume the lender will pull all 3 CRA's for a mortgage. Good luck on the house hunt! 

Message 26 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

Thanks for the data points all! 

 

GRID UPDATED

 

Message 27 of 75
BenTramer1978
New Contributor

Re: Which Report Will They Pull, Part II

FNBO Evergreen EX HP MD

Message 28 of 75
Rudy1
Frequent Contributor

Re: Which Report Will They Pull, Part II

Hey @credit_is_crack I've got a bunch of DP's for you! All of these are for NJ. lol/24 is a way of life for me but I am gardening until my least September next year. I also included my DH's DP's. So not all of these inquiries are mine. If anyone has any questions about any of mine or his applications feel free to ask! 

 

Capital One - TU, EQ, EX  Approval

Capital One Kohls - TU Only   Approval

Capital One Walmart MC - TU, EQ, EX  Approval

 

Webbank Avant - TU Approval however note for people applying for this when I did it was 1 and a half ago they asked me for 20+ things and I said forget it too much work for this card.

 

Synchrony Amazon - TU   Approval

Synchrony Ebay - TU         Approval

SYNCB Home - TU    Denial

Synchrony Car Care - EX          Approval

Synchrony PC Richards - EX   Approval

 

American Express - EX     Approval

 

Barclays Bank New Card - TU  Denial

 

Bank of America New Card - TU Approval

Bank of America New Card - EX Denial

Bank of America New Card - EX Denial 

 

Mission Lane - TU Approved from Credit Karma for no annual fee they said I would have one if I applied didn't need this card so I withdrew application waste of a hp yes but glad I did always watch out and check terms.

 

Navy FCU -  TU     Approval

 

Commerce Bank - TU   Denial

 

US Bank - TU  Approval

 

First National Bank of Omaha (FNBO) Approval 1 - EX 

First National Bank of Omaha (FNBO) Approval 2 - EX 

 

Citi ExxonMobil Credit Card (Citi Retail) - EQ  Approval Note for people applying for this card cli's are a HP and they are very strict with giving them out I could get approved for other Citi cli's not this card.

Citi BestBuy (Citi Retail)- EQ Approval

Citi Exxon CLI - EQ

Citi Shop Your Way Mastercard - EQ

Citi Home Depot Card - EQ   Approval

Citi Home Depot CLI - EQ      Approval

Citi Custom Cash Card - EQ  Approval

Bloomingdales Department Stores National Bank (Citi Retail) CLI - SP I don't know which which bureau

Bloomingdales (Over the phone) - EX       Rep said it would be a SP it was not.

Citi Custom Cash Card - EQ

Citi Best Buy CLI - EQ    Approval

Citi Best Buy CLI - EQ    Approval

 

Comenity Wayfair - EQ Approval This is no longer relevant as my card is now a Comenity Mastercard and the Wayfair Credit Card program is now issued and managed by Citi Retail but it was a comenity minor. 

Comenity Sony Visa - EX        Denial only citing my frozen Sagestream report if applying for a Comenity Card I reccomend unfrezzing this report as they will pull your credit yet still deny you for the sagestream report.

Comenity Capital BJ's Card -  Denial EQ

 

Discover - EQ Denial

Discover - EX Approval

Discover - EX Approval

 

 

TD Bank Target Redcard - EQ Approval

TD Bank Samsung - EX Approval I would not have applied for this card work gave a large discount if I had it and used it with a promotion I wanted a new TV so I applied.

 

TD Bank Secured Card Approval - EX

 

BB&T - EQ  This bank along with Suntrust are now Truist. My card was approved and then they apparently could not verify my identity and closed my account it was annoying but what am I going to do.

 

AOD CU - EQ

 

Penfed - EQ  My app they didn't want me

Penfed - EQ DH was Approved

 

Nasa Federal CU - EX Denial solely based on locked Sagestream.

 

 

 

 

 

 


Goal Cards:
Message 29 of 75
credit_is_crack
Valued Contributor

Re: Which Report Will They Pull, Part II

Thanks for all the data @Rudy1 I went thru and added the one's we didn't have on the grid yet. 

 

  • +Capital One TU/EQ/EX HP's in NJ, @Rudy1 
  • +WebBank, @Rudy1 
  • +WebBank TU HP in NJ, @Rudy1 
  • +Synchrony EX HP in NJ, @Rudy1 
  • +Bank of America EX HP in NJ, @Rudy1 
  • +Mission Lane TU HP in NJ, @Rudy1 
  • +Commerce Bank TU HP in NJ, @Rudy1 
  • +US Bank TU HP in NJ, @Rudy1 
  • +FNBO EX HP in NJ, @Rudy1 
  • +Citibank EQ HP in NJ, @Rudy1 
  • +Commenity Minor EQ HP in NJ, @Rudy1 
  • +Commenity Major EX HP in NJ, @Rudy1 
  • +Discover EX HP in NJ, @Rudy1 
  • +TD Bank (Target) EQ HP in NJ, @Rudy1 
  • +TD Bank EX HP in NJ, @Rudy1 
  • +AOD EQ HP in NJ, @Rudy1 
  • +PenFed EQ HP in NJ, @Rudy1 
  • +NASA Federal CU EX HP in NJ, @Rudy1 
Message 30 of 75
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