What banks pull equifax for decisions

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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JESSEPEAKDOTCOM
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What banks pull equifax for decisions

Postby JESSEPEAKDOTCOM » Thu Oct 14, 2010 8:03 pm

my highest score is on equifax, i was wondering if anyone knew what banks for sure in 2010 are pulling Equifax for credit decisions- just for those that say "it depends on where you live" im in florida- there are some OLD outdated post online that state what banks pull what reports but like i said, they are old :confused:


jeffysdad
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Postby jeffysdad » Sat Oct 16, 2010 3:21 pm

I just had reports pulled for a mortgage pre-approval. Chase pulled all three: Experian (using Fair Isaac score), Equifax (using something called "BEACON 5") and Trans Union (using "Classic 04"). Experian reported the highest score by far.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

JESSEPEAKDOTCOM
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Postby JESSEPEAKDOTCOM » Sun Oct 17, 2010 6:32 pm

yeah, mtgs are completely different from auto and credit card loans, they always pull a tri merge with mtgs. for auto loans and credit cards most banks stick to one report-

JESSEPEAKDOTCOM
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Postby JESSEPEAKDOTCOM » Sun Oct 17, 2010 6:36 pm

ooops i completely goofed this thread- anyone know where the edit button is, I am inquiring specifically about credit cards and which banks pull equifax for credit card decisions- my fault folks

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Oct 20, 2010 8:08 pm

American Express tends to use Equifax the most, Experian the second most, and TransUnion rarely, or that's how it used to be.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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