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List of Lenders that pull Equifax, Transunion, or Both

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List of Lenders that pull Equifax, Transunion, or Both

Alright, would you fellow RFDers find it might be useful to compile a list of lenders that pull either Equifax, Transunion, or both when inquiring your credit file?

Maybe a master thread would be helpful for this purpose.

Here we go:

(E) = Equifax
(T) = Transunion
(B) = Both (*Note: Some lenders will pull one, then pull the other if they need more info. Others will always pull both. YMMV)

Amex Bank of Canada: (T)
Bell Mobility/Virgin Mobile: (E)
BMO: (B)
Bridgewater Bank: (T)
CAA Mastercard (T)
Canadian Tire: (T)
Capital One: (B)
CIBC: (E)
Citi financial The Home Depot cards etc...: (E)
Dell Financial: (E)
Desjardins:(E)
Future Shop/Chase: (E)
HSBC: (E)
ING: (E)
Laurentian Bank: (T)
MBNA: (T) first, then (E) if they need more info
National Bank: (T)
PC Financial: (E)
Rogers Wireless/Fido: (T)
Royal Bank: (T)
Scotiabank: (B)
TD: (E)
Telus Mobility/Koodo Mobile: (E)
Vancity Visa: (T)
Wal-Mart MasterCard: (T)




Feel free to add your own info into this thread and I will try to update the OP as diligently as possible.
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ilove wrote:
May 16th, 2012 4:20 pm
Alright, would you fellow RFDers find it might be useful to compile a list of lenders that pull either Equifax, Transunion, or both when inquiring your credit file?

Maybe a master thread would be helpful for this purpose.

Here we go:

(E) = Equifax
(T) = Transunion
(B) = Both

Amex Bank of Canada: (T) but only reports on (E)
Capital One: (B)
MBNA: (B)
PC Financial: (E)
BMO: (T)
Canadian Tire: (T)

Feel free to add your own info into this thread and I will try to update the OP as diligently as possible.

BMO (E) reports to (B)
TD (E) reports to (B)
CIBC (E) reports to (B)
Future Shop/Chase (E) reports to (B)

RBC from what I know (T) reports to (B)
AMEX (T) reports to (B)

Nyd
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nyder74 wrote:
May 16th, 2012 5:49 pm
BMO (E) reports to (B)
TD (E) reports to (B)
CIBC (E) reports to (B)
Future Shop/Chase (E) reports to (B)

RBC from what I know (T) reports to (B)
AMEX (T) reports to (B)

Nyd


These are correct, but I will also add that BMO did pull my TU one time in the 5 years I've been their customer. Other than that, they have been EQ exclusive.
MBNA pulls TU only, reports to both.
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By the way, there is a lengthy thread already covering this subject here on RFD
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I support a new thread on this topic. The other thread was a mess the last time I seen it floating around. The OP of that thread never kept a running updated list, so the thread wasn't useful at all.
ilove wrote:
May 16th, 2012 4:20 pm
Alright, would you fellow RFDers find it might be useful to compile a list of lenders that pull either Equifax, Transunion, or both when inquiring your credit file?

Maybe a master thread would be helpful for this purpose.

Here we go:

(E) = Equifax
(T) = Transunion
(B) = Both

Amex Bank of Canada: (T) but only reports on (E)
Capital One: (B)
MBNA: (B)
PC Financial: (E)
BMO: (T)
Canadian Tire: (T)

Feel free to add your own info into this thread and I will try to update the OP as diligently as possible.
Where the heck do you get your information?

First of all, Amex reports to both.

Secondly, MBNA only pulls one (usually TU) if you apply online (initial application or credit limit increase), but they will pull EQ if 1) they can't accurately locate your report on TU using the info you provided online, and/or 2) they want to take a closer look, and/or 3) if there is any discrepancy they want to sort out. That being said: It's not too often they look at both bureaus.

And lastly, can someone please tell me what creditor does NOT report to both bureaus? Everybody keeps saying they know of one, but nobody can give me a name. Whenever I ask it just gets ignored and nobody says anything. The reason I want to know is because over the decades I have, or had, done business with pretty much every major creditor in the country. And they ALL report to both. So I want to know what bank/credit union/whatever reports to one bureau and not the other. If nobody can provide a name, fine. Just please stop saying it.)

As far as I'm concerned, you can update the OP to state that ALL creditors report to BOTH bureaus...because they do.
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Paulfistinyourface wrote:
May 16th, 2012 9:27 pm
I support a new thread on this topic. The other thread was a mess the last time I seen it floating around. The OP of that thread never kept a running updated list, so the thread wasn't useful at all.


Where the heck do you get your information?

First of all, Amex reports to both.

Secondly, MBNA only pulls one (usually TU) if you apply online (initial application or credit limit increase), but they will pull EQ if 1) they can't accurately locate your report on TU using the info you provided online, and/or 2) they want to take a closer look, and/or 3) if there is any discrepancy they want to sort out. That being said: It's not too often they look at both bureaus.

And lastly, can someone please tell me what creditor does NOT report to both bureaus? Everybody keeps saying they know of one, but nobody can give me a name. Whenever I ask it just gets ignored and nobody says anything. The reason I want to know is because over the decades I have, or had, done business with pretty much every major creditor in the country. And they ALL report to both. So I want to know what bank/credit union/whatever reports to one bureau and not the other. If nobody can provide a name, fine. Just please stop saying it.)

As far as I'm concerned, you can update the OP to state that ALL creditors report to BOTH bureaus...because they do.

Is the OP looking for data on bureau pulls or bureau reporting? I think its 'pulls' as its stated in his/her first sentence.
One thing I will say is each credit product will not always pull both bureaus. CC applications are automated while applications for installment loans and/or mortgages are not automated so one or both bureaus may be pulled predicated on the applicants scoring and/or the credit analysts personal preferences.


I can concur with Paulfistinyourface that Amex reports to both. But they may only pull EQ when one is applying for their CC

Having personal experience with both TCCI(Toyota Credit) and HCFI(Honda Finance), they report to both. But only pull EQ
Our auto finance division also reports to both but only pulls EQ for finance consideration.
If we have a client who is marginal or shows conflicting evidence, then we may pull TU as well.

SubPrime financiers TDFS and SDA may also pull both as they attract credit challenged clients so they would require a full financial picture of all delinquencies.
They would also report to both

As for credit card applications, rarely will they pull both. The cost of pulling both bureaus for every applicant on automated systems would be enormous.(even though our cost is equivalent to a couple cups of coffee)
----------------------------Licensed Credit Bureau member, S1, FI Automotive, CCP forums most banned = x 13 and counting, guess who that is?... stomped to the curb once again
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Paulfistinyourface wrote:
May 16th, 2012 9:27 pm
And lastly, can someone please tell me what creditor does NOT report to both bureaus?

I won't say for sure, but I opened an HBC MasterCard (now issued by Capital One) at the beginning of March. SO FAR, that account has yet to show up on Equifax. It's on it's second reporting cycle to Transunion, but is not yet on my Equifax. Another RFDer stated it takes Equifax a few months to pick up on it and report it. I don't know how true that is, so I'll wait and see what happens. Every other account i have reports to both.
As it stands today, the account has been open for 2 months, and only reports to Transunion.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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To add to our new list, is this collection of credit issuers and the bureaus they pull.


EQUIFAX

Chase
National Bank
Credit Unions (assuming they all use the same)
TD
Scotiabank
CIBC
BMO
HSBC
Citi financial The Home Depot cards etc...
Desjardins
PCF
Koodo Mobile
Telus Mobility
Virgin Mobile
ING
Dell Financial
Bell Mobility


TRANSUNION

Capital One (may check both)
MBNA
Wal-Mart MasterCard
American Express
Royal Bank
CT Financial
Scotia Bank (yes they check here too)
Vancity Visa
BMO (not sure how often they pull TU)
Rogers Wireless
Fido


These are the results I've found from viewing my own reports and family members' reports.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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Thanks everyone. Updated OP with your info.
wayne74 wrote:
May 16th, 2012 10:26 pm
To add to our new list, is this collection of credit issuers and the bureaus they pull.


EQUIFAX

Chase
National Bank
Credit Unions (assuming they all use the same)
TD
Scotiabank
CIBC
BMO
HSBC
Citi financial The Home Depot cards etc...
Desjardins
PCF
Koodo Mobile
Telus Mobility
Virgin Mobile
ING
Dell Financial
Bell Mobility


TRANSUNION

Capital One (may check both)
MBNA
Wal-Mart MasterCard
American Express
Royal Bank
CT Financial
Scotia Bank (yes they check here too)
Vancity Visa
BMO (not sure how often they pull TU)
Rogers Wireless
Fido


These are the results I've found from viewing my own reports and family members' reports.

Thanks for the huge list.
I will finish updating with this information once I get confirmation from another poster.
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Bell appears to only report to equifax, and telus to transunion. Or at least, on MY reports, that is the case.
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mikeymike1 wrote:
May 16th, 2012 9:56 pm
Is the OP looking for data on bureau pulls or bureau reporting? I think its 'pulls' as its stated in his/her first sentence.
I'm aware of that, but he had said "Amex only reports to EQ" in the OP, which is incorrect.
wayne74 wrote:
May 16th, 2012 10:07 pm
I won't say for sure, but I opened an HBC MasterCard (now issued by Capital One) at the beginning of March. SO FAR, that account has yet to show up on Equifax. It's on it's second reporting cycle to Transunion, but is not yet on my Equifax. Another RFDer stated it takes Equifax a few months to pick up on it and report it. I don't know how true that is, so I'll wait and see what happens. Every other account i have reports to both.
As it stands today, the account has been open for 2 months, and only reports to Transunion.
It'll report to EQ eventually. It typically takes EQ 3-6 months to get their act together.

Anyways, some corrections/additions + some notes:

-National Bank will pull TU. Notes: they do soft pulls from both bureaus (mostly EQ though) from time to time in order to pre-approve people for CLIs. If they cannot auto-approve you for a CLI request initiated by the customer, they will do a hard pull from TU.

-Laurentian Bank will pull TU.

-Vancity will pull TU.

-Scotiabank has an odd system of who they pull. As a rule of thumb: If you apply online; they pull TU. If you apply in-branch; they pull EQ. If you apply by phone it's 50/50. (I tried to explain this in greater detail, but it will just cause confusion. So I deleted it.)

-BMO generally defaults to EQ, but if your report is anything less than stellar they will also pull TU without hesitation.

-Ally will pull TU if you're looking for Auto financing.

EDIT. It's really hard to say what the smaller regional credit unions will pull. A lot of them used to use (or continue to use) MBNA for their credit card apps, but most of my local credit unions are now on their own, free to choose, for their personal loans/lines of credit/auto loans/whatever. My GF inquired about an auto loan a couple weeks ago, and the lady at the local credit union said they will pull TU.
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Paulfistinyourface wrote:
May 17th, 2012 9:50 am
-National Bank will pull TU. Notes: they do soft pulls from both bureaus (mostly EQ though) from time to time in order to pre-approve people for CLIs. If they cannot auto-approve you for a CLI request initiated by the customer, they will do a hard pull from TU.

I guess we can put National as pulling one or the other then, as not more than six months ago, they did a hard check on my nephew's Equifax for an online app he completed. They pulled Equifax only.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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starchyk wrote:
May 17th, 2012 6:32 am
Bell appears to only report to equifax, and telus to transunion. Or at least, on MY reports, that is the case.

This thread is for who pulls what bureau, not for who reports where. But anyway my Telus accounts show on both, as does my Rogers Wireless account.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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wayne74 wrote:
May 16th, 2012 10:26 pm
To add to our new list, is this collection of credit issuers and the bureaus they pull.


EQUIFAX

Chase
National Bank
Credit Unions (assuming they all use the same)
TD
Scotiabank
CIBC
BMO
HSBC
Citi financial The Home Depot cards etc...
Desjardins
PCF
Koodo Mobile
Telus Mobility
Virgin Mobile
ING
Dell Financial
Bell Mobility


TRANSUNION

Capital One (may check both)
MBNA
Wal-Mart MasterCard
American Express
Royal Bank
CT Financial
Scotia Bank (yes they check here too)
Vancity Visa
BMO (not sure how often they pull TU)
Rogers Wireless
Fido


These are the results I've found from viewing my own reports and family members' reports.

MBNA and Rogers and Capitalone are on my Equifax reports so they must pull both

thanks for the list :cool:
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storm867 wrote:
May 17th, 2012 10:58 am
MBNA and Rogers and Capitalone are on my Equifax reports so they must pull both

thanks for the list :cool:

Are you saying inquiries? Or the trade lines?
Just because they are reporting on your Equifax, doesn't mean they pull both. They REPORT to both. Capital One does pull both SOMETIMES, not all the time. It depends how you apply. MBNA pulls Transunion exclusively, unless they don't find enough info on you, then they pull Equifax according to reports from other RFDers. Rogers I think would only pull one bureau, for the simple fact of the cost to pull both just for a cell contract doesn't make sense.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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