@azguy13 wrote:
There is no correct answer to this question. The best I can give you is that of you are planning on app'ing for something anytime soon, look up which CRA they full and then buy that one.
You can google the credit pull database and go from there.
+1 !
The googled "credit pulls database" from the site of which we may not speak is an excellent place to start. You can choose the CRA you want to check, and it will list all of the cards/issuers that have utilised that CRA by the sizeable database clientele.
www.whogavemecredit.com is another good source of reported CRA usage. There you can search by a variety of criteria.
Keep in mind that, of the various reports you'll get here, the Equifax report is the one that most lenders also use, being the Beacon 5.0 model.
Transunion here is the TU98 model, a very old one that's not used by many, if any, lenders; they use the TU04 model the most.
Experian here is the EX08 model, again not used by a majority of lenders, who use the EX04 model. However, anecdotally it's reported that AMEX does use the EX08 model along with their own internal scoring.
And lastly, these are the ones that are readily available to consumers to peruse. Keep in mind that there are many different scoring models, depending on the industry utilising them.
