Credit Card Forum
  1. #1
    JESSEPEAKDOTCOM
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    Cool What banks pull equifax for decisions

    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Equifax for credit decisions- just for those that say "it depends on where you live" im in florida- there are some OLD outdated post online that state what banks pull what reports but like i said, they are old
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    Reply With Quote Reply With Quote     Oct 14, 10, 6:03 pm
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    jeffysdad
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    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.
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    Reply With Quote Reply With Quote     Oct 16, 10, 1:21 pm
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    JESSEPEAKDOTCOM
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    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-
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    Reply With Quote Reply With Quote     Oct 17, 10, 4:32 pm
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    JESSEPEAKDOTCOM
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    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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    Reply With Quote Reply With Quote     Oct 17, 10, 4:36 pm
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    Mogul of Pineapples
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    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. 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
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    Reply With Quote Reply With Quote     Oct 20, 10, 6:08 pm
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