Creditors know that each CRA reports different information, and that we are constantly out here disputing and removing derogitory information, so they will switch on occassion which CRA they will pull. Many of the CRA's offer seasonal discounted rates for internet applications, so creditors will constantly switch for no reason at all except to save some money. Creditors are also on the prowl now to cut their risk, and CRA's offer different types of scoring for different types of risks. For example, the FICO score we are so fimillar with, may soon be a thing of the past on application ranging over $5K credit lines. There are now such scores as NextGen that some creditors choose to use in certain situations. Your CRA will also depend on which department reviews your application. Many creditors have a Pre-Score system that will determine how much credit information they need to make a decision on the application. Depending on the catagory, you may get TU, EQ or EX all on the same application, and only get the denial letter based on the CRA that your score did not pass standards. The CRA's also at times during the year offer extensive discounts to certain regions of the country which will also determine which CRA you can expect a hit from. There are still a few creditors that are faithfull to one CRA and one CRA only, but that is becoming a thing of the past. So tread carefully, and remember you may not need that additional credit card as bad as you think right now. Maybe 3 or 4 months until all your CRA's are clean will be a better decision. Good luck and happy CREDIT.