Nextcard pulled BOTH Trans union and Experian on me. I know they did because of some unique accounts on my 3 CRA reports. Also, Nextcard is known for pulling 2 CRA's not one. If you have read my posts here, you will have noticed that I had a BK discharged in '99. However the BK only made it into the public record on Equifax. So I got lucky here. My TU score = 695 MY EX score is unknown but has to be a little less. MY EQ which was not pulled is 633. Good luck with any cards you apply for.