Originally Posted by
sdsearch
Actually same CC can use different companies!
What I mean is, different people applying for the exact same CC can have pulls from different reporting companies, and the
same person applying for the same CC
at different times (just months apart!) can have pulls from different reporting companies. (At the very least, Citi is one that has had this much inconsistency.)
This is certainly true, the variable that you didn't mention that has a significant impact is where the applicant is located. I would not be surprised at all to see a creditor pull a report from 3 different credit bureaus for 3 people applying for the same credit card if one of the applications was located in Cali, one in Kansas, and one in DC.
BUT, if all 3 were located in the same city/area I would be more surprised if the creditor did not use the same credit bureau.