I have seen a lot of questions about this, and had several myself. Why dont we make a list regionaly, which CRA each major CCC's pull? I know they have one here but some of those have changed. I will start..if you guys want I can update it everytime someone posts. Region: NC (SouthEast) TransUnion: Chase Manhattan Bank Fleet CC Nextcard MBNA Experian: Household Credit Service ExxonMobil/MBGA CIT Online Bank/DFS Lowes/MCCBG Equifax: American Express Atlantic Costal Federal Union Belk Chevron CITI Bank Discover Thanks,
Southern California Transunion: Bank of America Juniper (1t Equifax then Tu if you pass EQ) Chase Evil Experian: MBNA Citibank Macys Equifax: Juniper (pass this, go to TU) Lowes Home Depot
Northern California Evil Experian Discover Financial Service Denied with Exp 603 Capital One Bank Denied with Exp 603 (by the way did not even apply) First USA Bank Denied of course WFNNB/LIMITED DENIED OF COURSE CIT ONLINE BANK/DFS DELL FINANCIAL SERV DENIED OF COURSE Transunion 1st Premier Bank (non permissable) E-Loan Credit Center aka Chase/Walmart Capital One Bank (a double combo with experian) above denied 21st insurance company approved Equisux Home depot Household Credit Service Retailer National Bank MCCBG/Walmart AT&T Wireless ( I don't even know where this one came from, time for a letter)
Minnesota *****Equifax***** First Internet Bank of Indiana Retail National Bank (Target Visa) GM Card Corvette Card Household Automotive (and TU) Citifinancial Retail (Becker Furniture World) Netbank *****Experian***** Bloomingdales MBNA Orchard Bank Card Capitol One Platinum ($2250 limit, high annual fee) *****TransUnion****** Bank of America Household Automotive Slumberland
Keep it coming folks. Update to NC: Equifax: Home Depot/MBGA Retailers National Bank (Target) First USA / Bank One TransUnion: Bank Of America
Texas: Equifax: Corvette Mastercard GM Mastercard Citi Cards Travelocity MC (Citibank S.D./USA, seperate database) Capital One Best Buy Sears TU: Bank of America Generations Bank National City Visa Chase Capital One Foley's Lord & Taylor Experian: Discover American Express MBNA
Im in Malibu, CA here are my hard inquiries Hoping this helps. Creditor pulled Experian (score 743) Dell - approved Nordstrom - approved J Crew WFNNB - approved Creditor pulled TransUnion (score 791) Bank of America - approved Bestbuy/HB - declined (still trying to figure this one out) Creditor pulled Equifax (score 696) no inquiries in past 2 years American Express approved me for a personal card without a hard inquiry because of the corporate card I have had with them for 7+ years I am not sure which cra they pulled soft from. My corporate card has never reported to my personal credit
