Originally Posted by
gleff
Eg Chase pulls Equifax.
Citibank?
Bank of America?
Important info in deciding which cards to churn, when.
It varies so much only you can answer it yourself, unfortunately.
What someone else sees is not what you'll see.
Some peole are seeing Citi from Equifax before and TransUnion now.
Other people are seeing Citi from Transunion before and Equifax now.
For whatever reason (be it what state you're in, what locality your'e in, your SSN divided by 3, or the phase of the moon) the results vary from individual to individual, and even for a given individual from one card to another!
By "answer yourself", I mean get your credit reports. If you've not done so before, you can get one of each (of the three) free at
www.annualcreditreport.com. (If you get all three at once, though, you'll have to wait a whole year before you can get another of any of them. If you don't need all three at once, you can stagger them, as long as each one of the three is only once a year.)
If you're concerned about this on an ongoing basis, you may unfortunately need to pay to get credit reports more frequently than once a year per service.