Can you request to pull from a certain bereau?

[Anonymous]

I was wondering if you can request for a lender to pull from a certain credit bereau, or does every lender have a set bereau they always pull from. It seems that my Transunion score is always 30 or more points higher then my Equifax, but everyone always pulls through Equifax. My only two ever (hard) inquires on Transunion were student loans I applied for and Experian has 1 inquire on it. At one point I had 9 hits on my Equifax while the other two had 0! So is this just happening to me or is this the "perfered bereau" to pull from? Thanks.

Message Edited by Kylan1234 on 10-20-2009 06:34 PM

[Anonymous]

Generally speaking you may not choose the CB you want pulled for an application. Expressing too much concern to an issuer over which CB is pulled for your app may subject it to additional scrutiny that you don't want. That said if you have a freeze on you CBR's an issuer will occasionally allow you to chose which one to unfreeze for an app.

[Anonymous]

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@Anonymous wrote:

I was wondering if you can request for a lender to pull from a certain credit bereau, or does every lender have a set bereau they always pull from. It seems that my Transunion score is always 30 or more points higher then my Equifax, but everyone always pulls through Equifax. My only two ever (hard) inquires on Transunion were student loans I applied for and Experian has 1 inquire on it. At one point I had 9 hits on my Equifax while the other two had 0! So is this just happening to me or is this the "perfered bereau" to pull from? Thanks.

Message Edited by Kylan1234 on 10-20-2009 06:34 PM

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I applied online for a Discover Motiva about 3 weeks ago.  I received the 7-10 day response. At which point I picked up the phone, and talked to a rep at Discover, who subsequently told me that the application had been denied.

Now the surprising part.  He told me that they pulled my Transunion score, but he offered to do a recon using another score.  At which point, he asked if I'd rather them pull an Equifax or Experian.  I asked that he pull Experian (because my Equifax was a few points lower), and I was approved with a $1500 CL.  No doubt, I would imagine that this was an isolated incident and I would not expect kind of service from every rep, but there is always a chance.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I was wondering if you can request for a lender to pull from a certain credit bereau, or does every lender have a set bereau they always pull from. It seems that my Transunion score is always 30 or more points higher then my Equifax, but everyone always pulls through Equifax. My only two ever (hard) inquires on Transunion were student loans I applied for and Experian has 1 inquire on it. At one point I had 9 hits on my Equifax while the other two had 0! So is this just happening to me or is this the "perfered bereau" to pull from? Thanks.

Message Edited by Kylan1234 on 10-20-2009 06:34 PM

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I applied online for a Discover Motiva about 3 weeks ago.  I received the 7-10 day response. At which point I picked up the phone, and talked to a rep at Discover, who subsequently told me that the application had been denied.

Now the surprising part.  He told me that they pulled my Transunion score, but he offered to do a recon using another score.  At which point, he asked if I'd rather them pull an Equifax or Experian.  I asked that he pull Experian (because my Equifax was a few points lower), and I was approved with a $1500 CL.  No doubt, I would imagine that this was an isolated incident and I would not expect kind of service from every rep, but there is always a chance.

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This is pretty much a standard procedure for Discover on recon. It is also another proof of why all denials should be recon'ed.

Great approval! Nice job!

[Anonymous]

So for the other question, is this just all just in my luck that 90% of lenders pulled from Equifax? Also, is that common that the my scores are so far apart? I mean the information is the same on both reports but the Equifax has more inquires on it. I mean I knew that inquires dropped your score but that much really? The difference in 710 and 676 i a lot in my opinion. I mean I would understand if it was give or take 10 or so points, but 34 seems to be a big difference.

[Anonymous]

For you it was EQ - for me definitely EX. I have no scoring inquiries on EQ or TU. I guess that's just the way it breaks, although I will say this vary rarely happens with TU.

As for your score difference I would obtain a FICO report from EQ and TU of similar vintage, print them out, lay them side-by-side and review them very carefully. I'm pretty sure there is some difference other that the INQ's that accounts for the 34 point difference. Start by looking at the reasons page 2, but don't stop there. Go through the reports in detail, line-by-line.

[Anonymous]

Ok, so I did what you said, looked at both reports. They both have the same inquires in the past year on them. However Transunion says on page 2 that I have many accounts in good standing as a positive, but Equifax does not. Instead, Equifax says i have too many revolving accounts with a balance but Transunion doesn't. All the other factors an page 2 for positive and negative are both the same besides those. It really makes no since to me. Another factor was the one page 1, Transunion said my Amount of New Credit was Good, while Equifax says it is Bad.

Message Edited by Kylan1234 on 10-22-2009 09:29 AM

[Anonymous]

You're going to have to go through your report one tradeline at a time and look very carefully at all the dates and amounts for differences.

[haulingthescoreup]

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Kylan1234 wrote:

Ok, so I did what you said, looked at both reports. They both have the same inquires in the past year on them. However Transunion says on page 2 that I have many accounts in good standing as a positive, but Equifax does not. Instead, Equifax says i have too many revolving accounts with a balance but Transunion doesn't. All the other factors an page 2 for positive and negative are both the same besides those. It really makes no since to me. Another factor was the one page 1, Transunion said my Amount of New Credit was Good, while Equifax says it is Bad.

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Equifax and TransUnion scoring formulas weight the numbers of accounts with balances differently, so it's not surprising that one loves you and one dings you. That being said, the more revolving accounts that report $0, the better your scores, as long as at least one reports a balance, which you can then immediately pay off.

As to the amount of new credit bit, how old is your most recent TU inquiry, and how old is the most recent EQ inquiry? And don't worry about the stuff on the first screen; it's just there for entertainment. It's the list of negatives (not so much the positives) on screen 2 that reflect what's driving your scores.

[Anonymous]

My last Transunion inquiry was on 6/18/09, and for Equifax is 4/20/09. After this month I will only have one CC reporting a balance. I hope in the next 2 to 3 months I will bring my utilization under 9%, which should help. So no matter what, all 3 credit bereaus will ALWAYS report better with only one account showing a balance? Also my one thing I listed above was that my Equifax and Transunion both had 3 inquiries. I had made a mistake; the Transunion one was 3, while my Equifax has 5 inquiries.

Message Edited by Kylan1234 on 10-25-2009 03:31 PM