Usbank is also inquiry-sensitive and pulls alternative CRAs (ARS and Sagestream, I think).
(Forgive typos, mobile.)(Everything said is Just IMHO.) Scores updated DEC'19.
In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR? For example, mine is clean/thick/aged/new accounts, with open loan on record. If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record. For utilization questions, list individual and aggregate utilizations, revolving and installment. please.