May 31, 2025

My Money Magick

The Money, Tax and Law Underground

Lender – CRA database: database showing which CRA lenders pull from

It’s very useful to know which CRA a lender will pull from when you apply for credit. Here’s what I know so far:

LenderCRAevidencecomments
SofiTU
Guaranteed Rate AffinityTU
JPMCTU, ExperianMarch 2025 F&G runthey hit both!
Bank of AmericaTUMarch 2025 F&G run
RegionsTU
ElanTUMarch 2025 F&G run
Zippy LoansTU
TruistEQ
FNB OmahaExperianMarch 2025 F&G run

Be aware that all lenders do not always pull form the same CRA. Here are some other good lists:

  1. https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910
  2. https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/6379773
  3. https://helpmebuildcredit.com/list-of-which-credit-report-each-bank-pulls/

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