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Posted in Credit Scores
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Question By
idramafree35

9 Contributions
63 People Helped
How can you tell which bureau a bank checks?
When CK suggest a personal loan, the score they use is from trans. I am wondering if this is an indication that those banks will pull from the cb.

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Top Contributor
986 Contributions
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Right off the top? Real world credit and Credit Karma don't usualy go together, you'd be hard pressed to find a lenders using Credit Karma's score model (VantageScore 3) for their lending decisions. Sure both might use/pull from TU but there are 100s different score models that based on informations from TU, currently, lenders/creditors still uses versions of FICO models... There is a online database for what particular lender may uses, search for it (free).

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Do NOT apply for any credit products solely base on CK's suggestions/recommendations, it's more or less an marketing schemes.

Top Contributor
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Lenders do follow a standard scheme when they pull the hard inquiry.  Just because CK recommended it has no bearing on which credit bureau the lender will choose to pull.  Some, depending on the type and loan amount may pull all three.  There ware varoius databases online which tries to help consumers determine the bureau based on the creditor and your state, they even try to post the scores for the approval.  Your best bet is to see if the lender has a "pre-qualification" you can complete.  Usually this is a soft pull, although even though you meet pre-qualification doesn't mean you are 100% guaranteed the loan. 

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