Personal Finance

List of creditors/lenders that pull/inquire from Equifax & TransUnion, and credit card application info. Update!

[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes

List of creditors/lenders that pull/inquire from Equifax & TransUnion, and credit card application info. Update!

This list I put together is very useful when applying for credit to see the likelihood of you being accepted or denied, especially if you have a derogatory item, or a lot of recent hard hits, on one credit report but not the other
And for it to remain useful, we RFDers need to edit it as a community
Please only edit the list with new data-points you have; if you have any recommendations for the layout, switching to spreadsheet, font, font size, etc., please post them here instead of autonomously changing it yourself

Here's the link:
List of creditors/lenders that pull/inquire from Equifax & TransUnion, and credit card application info. Help update!


You can bookmark it for convenience :)

The list includes data on the following creditors:

Affirm CC|Term Loan
Alterna Savings/Bank Banking
American Express|AMEX CC|ChC
Apple Store [TD Financial Services]
ATB Financial CC
Bell Mobility
Black Palm Aviar Can Auto
BMO CC
BMO Auto|LoC|Mortgage
Borrowell Loan
Brick (The)
Canadian Tire Financial CC
Capital One CC
Chase CC
Chrysler Credit Auto
CIBC CC
CIBC Auto|LoC|Mortgage
Citibank|CitiFinancial
Citizen's Bank
CMHC
Collabria Financial CC [For Credit Unions such as DUCA, Kawartha, et al.]
Commonauto Auto
CreditKarma.ca
CUETS Financial
Dell Financial
Desjardins CC|Mortgage
DCR Finance
DSNB|Department Stores National Bank [USA] CC [owned by Citigroup]
Easy Financial Services
Fido
Ford Credit Auto
Freedom Mobile
GE Capital/Money
Genworth
GM Credit Auto
Hudson’s Bay Company|The Bay CC [i.e. Capital One]
HCFI, Honda Canada Finance Auto
HFC Household Finance
HSBC
HSBC Auto|LoC|Mortgage
Home Trust CC|Mortgage
ICICI
Kia Credit Auto
Koodo Mobile
Laurentian Bank CC
MBNA CC [owned by TD]
MDG Computers Canada
Meridian Credit Union
Mercedes-Benz Finance Auto
Mitsubishi Financing
Mogo Loan|Mortgage
National Bank of Canada CC
Nissan Canada Finance Auto
PC Financial CC|LoC|Mortgage
Peoples Trust CC
RateHub
RBC CC
RBC Auto|LoC|Mortgage
RE/MAX Chay Realty
Retail Credit Solutions
Rogers Bank CC
Rogers Cable
Rogers Communications
Rogers Wireless
Rona
Sam’s Club [USA] CC
SaskTel
Scotiabank Banking|CC
Scotiabank Auto|LoC|Mortgage
Tangerine/ING Bank CC [owned by Scotiabank]
TD CC
TD Auto|LoC|Mortgage
Telus Mobility
Toyota Credit Auto
Vancity Loan|LoC|Mortgage
Vancity CC
Virgin Mobile
Volkswagen Finance Auto
Walmart CC
Wells Fargo
Wind Mobile
Woodhaven Properties
Last edited by G0DKING on Feb 24th, 2016 7:54 pm, edited 10 times in total.
100 replies
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
[Reserved]
Last edited by G0DKING on Feb 25th, 2016 1:51 am, edited 1 time in total.
Sr. Member
User avatar
Mar 3, 2005
905 posts
569 upvotes
Mississauga
I think T642RD means that at the time of application - the Trans Union score was 642. The applicant was declined, proceeded to ask for reconsideration and was also declined.
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
Citygrl85 wrote:
Mar 2nd, 2016 8:33 am
What does T642RD mean for MBNA?
hopetindall wrote:
Mar 2nd, 2016 9:56 am
I think T642RD means that at the time of application - the Trans Union score was 642. The applicant was declined, proceeded to ask for reconsideration and was also declined.
100% correct.
Member
Oct 16, 2014
212 posts
129 upvotes
Moncton, NB
Pulled my TU report online yesterday:
Credit Related Inquiries:
Feb 28, 2016 MBNA
Feb 26, 2016 ROGERS BANK
Jan 09, 2016 MBNA
Dec 29, 2015 SCOTIABANK (online credit card application)
Sep 14, 2015 SCOTIABANK (online credit card application)
Sep 13, 2015 AMERICAN EXPRESS CANADA
May 26, 2015 MBNA

And from Equifax:
11/08/15 BMO 2191
10/22/14 SCOTIABANK (in-branch credit card application)
04/07/14 KOODO MOBILE
03/19/13 NATIONAL BANK
Deal Addict
User avatar
Apr 10, 2010
1390 posts
191 upvotes
Thanks for starting this initiative.

One suggestion: font is too small...
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
513263337 wrote:
Mar 15th, 2016 11:22 pm
Thanks for starting this initiative.

One suggestion: font is too small...
Thanks. Duly noted.
Newbie
Feb 22, 2016
3 posts
1 upvote
Added new line to Gdoc:
Mercedes Benz Finance.
Pulled my TU today (April 2, 2016) No enquiry, at least as of yet, on Eq
TU Score is currently 737
Newbie
Apr 3, 2016
2 posts
2 upvotes
Feb 08/2016
scotia line of credit (apply online) TU credit score 740 ! approved for $18,000.00 ,Hard Inquiries
TU credit score down 705
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
dylanquynh wrote:
Apr 4th, 2016 1:35 am
Feb 08/2016
scotia line of credit (apply online) TU credit score 740 ! approved for $18,000.00 ,Hard Inquiries
TU credit score down 705
Your TU score went down 35 points because of one ScotiaLine LoC inquiry?
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
G0DKING wrote:
Apr 4th, 2016 4:42 pm
dylanquynh wrote:
Apr 4th, 2016 1:35 am
Feb 08/2016
scotia line of credit (apply online) TU credit score 740 ! approved for $18,000.00 ,Hard Inquiries
TU credit score down 705
Your TU score went down 35 points because of one ScotiaLine LoC inquiry?
dylanquynh wrote:
Apr 4th, 2016 7:02 pm
Yes! I checked TU . I paid a membership every month
Wow, that's rough.
Newbie
Feb 4, 2016
41 posts
5 upvotes
Halifax, NS
Any insight on what Mitsubishi financing does? Do they pull from Transunion or Equifax? On their website it says they report to both but I'm curious about which they look at to approve/decline credit. If you've been denied or approved can you also provide what your credit score was at the time?

Thanks!
[OP]
Deal Addict
Dec 9, 2014
1419 posts
503 upvotes
massfalls wrote:
Apr 21st, 2016 9:07 am
Any insight on what Mitsubishi financing does? Do they pull from Transunion or Equifax? On their website it says they report to both but I'm curious about which they look at to approve/decline credit. If you've been denied or approved can you also provide what your credit score was at the time?

Thanks!
Sorry, no clue; Mitsubishi Financing's not on the list.

Now it is, though. If you apply and find out what they pull, please update it. :)

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