FIND OUT: Which CRA is pulled? - Credit Repair Forum from Creditnet
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  1. #1
    PsychDoc is offline Senior Member
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    Jun 2001
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    FIND OUT: Which CRA is pulled?

    Would you like to know which credit bureau will be pulled by a creditor if you apply for credit? This may help...

    http://groups.yahoo.com/group/whopulledmycredit/

    In another thread, someone referenced an Excel database file which was based upon the data publicly posted on the now-defunct millcbs.com web site. (In case someone new is reading this, that site invited consumers to post information regarding which CRAs were used by which creditors with respect to credit application inquiries.) Hundreds of consumers -- including myself and many of the people reading this -- generously provided the data which that web site made available to the public via a web-based database. That data is included in the file I posted.

    Quick Q&A... How did you get this data, PsychDoc? Answer: On that web site, there was an option to "SEARCH ALL" with no criteria. The result was the full list of inquiries. I simply inserted that publicly available data into an interactive Excel spreadsheet for my own use. When the site went out of business, I realized that the data would still be useful to others.

    I will update the Excel database frequently if others will post details of their inquiries to that site:

    http://groups.yahoo.com/group/whopulledmycredit/

    Include:

    1) The name of the creditor.

    2) Which CRA they pulled (Equifax, Experian, or Trans Union).

    3) Your state.

    4) If you know it, your credit score when the inquiry was pulled.

    I hope this helps someone!

    Doc

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  3. #2
    PsychDoc is offline Senior Member
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    FIND OUT: Which CRA is pulled?

    I went ahead and updated the file with a few more recent inquiries.

    Doc

  4. #3
    PsychDoc is offline Senior Member
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    FIND OUT: Which CRA is pulled?

    I posted links to Creditboards and Creditnet in the "links" section. (I realize that this is of limited value to anybody reading this now, lol, but if the inquiry thing is later passed along to others I would like new consumers to visit my two favorite sites.)

    Doc

  5. #4
    jlynn is offline Senior Member
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    Texas
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    FIND OUT: Which CRA is pulled?

    Thanks Doc! I just bookmarked this thread in case I ever get my scores up enough that I am ready to apply!

  6. #5
    PsychDoc is offline Senior Member
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    FIND OUT: Which CRA is pulled?

    You're welcome, jlynn! I hope it helps you. :)

    Doc

  7. #6
    nickpaige is offline Senior Member
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    Nov 2002
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    Re: FIND OUT: Which CRA is pulled?

    Originally posted by PsychDoc
    Would you like to know which credit bureau will be pulled by a creditor if you apply for credit? This may help:

    I will update the Excel database frequently if others will post details of their inquiries to that site:

    I hope this helps someone!

    Doc
    Doc, thanks a bunch. Unfortuantely, I joined these boards too late to take full advantage of the info on millcbs.

    I just wish some more Ohioans would add their inquiry data.


    .
    The mightiest oak was once a little nut that held its ground.

  8. #7
    dntopiwala is offline Junior Member
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    Feb 2003
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    39

    Re: FIND OUT: Which CRA is pulled?

    I added my info on there..this needs to be a sticky!!!

    Thanks,

  9. #8
    CCN steve is offline Moderator
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    Re: FIND OUT: Which CRA is pulled?

    Although so much vital information can be aggregated within the FAQ and Glossary threads, this resource seems uniquely useful. Thanks for making it available, PsycDoc. Thread "stuck."

    CCN steve

  10. #9
    kelcol is offline Senior Member
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    Jan 2003
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    Re: FIND OUT: Which CRA is pulled?

    Hey Psychdoc, excellent idea/job! quick question, sorry if its a dumb one, but the AP on the list of states, by any chance is that APO's??

  11. #10
    PsychDoc is offline Senior Member
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    Re: Re: FIND OUT: Which CRA is pulled?

    Originally posted by kelcol
    Hey Psychdoc, excellent idea/job! quick question, sorry if its a dumb one, but the AP on the list of states, by any chance is that APO's??
    Hi and thanks, kelcol! "AP" is for military personnel stationed in the Pacific. Here's a handy site I found with the full list:

    http://www.50states.com/abbreviations.htm

    Doc

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