Originally Posted by iliopsoas

It's highly dependent on geography. Barclays tend to pull TU regardless. In my area, Chase and Citi pull Experian.

You can get a good idea of which credit report is pulled using this database.

http://creditboards.com/forums/index...pp=creditpulls


Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.

As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.

When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.