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Which Credit Bureau will be used to pull your credit report?
I recently wrote a Monkey Miles Monday Memo that illustrated the 5 factors that impact your credit score. You will have a different score from each of the 3 major credit bureaus: Transunion, Equifax, and Experian. You may wonder why each credit bureau has a different score for you? That’s a great question. While each bureau will have it’s own specific metrics, one of the biggest factors is how often a report is pulled – this impacts your “recent inquiries” number. This pull is referred to as a “hard pull.” and each hard pull drops your score. This is why people will try and combine inquiries or apply more than once on a day: an app-o-rama if you will 😉 When you apply for a credit card, loan, lease, etc the lender will pull a report from one of those 3 bureaus, but which one? I use a resource page that is full of anecdotal, wiki-style, information to see just which bureau will be used to generate a report. How to find which credit bureau will be used to pull your credit report.
A quick reminder: the 5 factors
I recently applied for the Chase Sapphire Reserve, in branch, despite being at 6/24. You can read about my entire experience, but I got denied. My report was pulled from Experian. I knew this would be the case because I searched creditboards ahead of time and saw these results.
Credit boards search engine
What you’ll see are the results for my specific state and the creditor
- approved or denied
Here’s a look at Citi:
slightly different results and looks to vary between city/zip code
Hope this helps!
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