
$ecret Lenders List
Welcome to the Secret List that the banks would never let you see! Below is a list of lenders and credit bureaus that they pull from based on what we have researched.
LENDER – CREDIT BUREAU – CREDIT SCORE (IF REQUIRED AND KNOWN)
Barclaycard Apple Rewards – Experian (720+ $3,500)
BMW Financial Services – Experian
BMW Financial Services – Experian (695+ $50,000 Lease)
Capital One Auto Finance – Experian – Equifax
Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
Capital One Bank Credit Cards – Equifax – Transunion
Capital One Venture – Experian – Transunion (650+ $5,000)
Capital One Quick Silver 1 – Experian (600+ $500)
Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
Car Smart – Transunion
Carmax – Experian – Equifax – Transunion
CBNA Credit Cards – Experian – Equifax
Centric Credit Union Visa – Experian (530+ $500)
Chase Bank – Experian & Equifax
Chase – Experian (750+ $10,000)
Chase Amazon Rewards – Experian (750+ $7,000)
Chase Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase
Southwest Plus – Experian (750+ $3,500)
Chase Amazon Rewards – Experian (750+ $7,000) Chase
Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase
Southwest Plus – Experian (750+ $3,500)
Chase United Explorer – Experian (720+ $19,500)
Citibank Best Buy – Equifax
Citi American Airlines Platinum – Experian (720+ $6,500)
Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
Citizen’s Bank (location specific) Equifax
Community First Credit Union – Equifax (region specific)
Community – Transunion or Equifax
Credit Union of Texas – Equifax
Credco Auto Reseller – Experian – Transunion
Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers Preferred Account – Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000) Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
Direct TV – Equifax
Discover Card – Equifax – Transunion
Discover It – Experian (620+ $1,500 – $5,500)
Drive Finance Auto Financing – Experian – Transunion
Elan Financial – Equifax
Fifth Third Bank – Transunion
FIA Amex Fidelity American Express – Experian (740+ $9,000)
Fidelity Amex Investment Rewards – Experian (720+ $12,500)
Fidelity Investment Rewards Visa Signature Card – Experian (750+ $7,500)
FirstBank Credit (FNBO) SavingStar Amex – Experian (650+ $1,000)
FNBO/NRA – Experian (740+ $8,500)
First Choice Bank – Primer Visa – Experian – Equifax – Transunion First Data Merchant Services – Credit Card Merchant Account Processor Greater Texas FCU – Experian (620+ $27,000) Hertz Corporation – Equifax Home
Depot – Experian (650+) HSBC –
Transunion
Jared/Sterling – Experian (600+ $1,500)
JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
JCrew (Comenity) – Experian (600+ $750)
JP Morgan Chase Business – Transunion – Chexsystems JP Morgan Chase Bank – Equifax Kohls – Experian (560 $300)
Lexus Financial Services – Experian (690+ $90,000 with Lease)
Mercedes Auto – Transunion + Experian + Equifax
Macys – Experian (700+ $1,000)
NASA FCU Platinum Rewards – Experian
NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
Navy Federal Credit Union – Equifax – Transunion
NFCU GoRewards Visa – Experian (660+ $1,000)
Navy Federal Credit Union – Business – Transunion
Nordstrom – Experian (620+ $1,000)
OneMain Financial – Equifax
Overstock.com Comenity Bank – Experian (640+ $2,200)
PEX Card – Will Start Experian Business File
PNC Bank – Experian
PNC Bank – Experian (750+ $10,000)
Prosper – Experian (640+ $15,000) RBS –
Citizens Bank – Equifax
Red Check – Equifax
Restoration Hardware – Experian (700+ $2,000) Road Loans – Equifax
Sam’s Club -Experian (660+ $700)
SchoolsFirst FCU – Experian (660+ $12,000)
Sprint Nextel –Equifax
Sportsmans Guide Comenity Bank – Experian (680+ $2,500)
SunTrust Bank – Transunion
Stash (Synchrony) – Experian
TD Signature Visa – Experian (700+ $5,000)
Tempur-Pedic – Wells Fargo Financial National Bank – Experian (745+ $5,000)
TD Bank – Experian
T-Mobile – Equifax – Transunion
True Value Comenity Bank – Experian (640 $350)
USAA – Equifax
Verizon Wireless – Equifax – Experian Vystar – Equifax (region specific) Victoria’s Secret – Experian Wells Fargo Bank – Experian – Chexsysems Wells Fargo Credit Cards – Equifax
Wells Fargo Auto Finance – Experian – Equifax
Affinity Plus (Join Foundation)
Allegacy Federal CU (Join Association application
process) Applied Bank
Barclays
BBVA Compass Bank
CFNA
Discover (Equifax 50% of the time)
Eaton Family CU (Ohio Only) Fifth
Third Bank
First Premier Bank
GECRB (General Electric Capital Retail Bank)
John Deere Financial
KEMBA Financial CU (Angie’s List Eligible, used to pull Equifax)
Lake Michigan CU (ALS Assoc Eligible)
Lending Club
Mazuma CU (Join Harry S Truman Library & Museum
Mercedes Benz Credit Corp
Merrick Bank
Michigan First CUPNC (TU 50% of the time)
Regions Bank (region specific)
RBFCU
Smart Financial CU ($60 to join Houston Museum)
Synchrony Bank (See store card listing below held by Synchrony bank). Note synchrony also pulls from Experian
State Farm
UMB
U.S. Bank VW
BRANDS AND STORE CARDS TRANSUNION BASED:
Amazon Store (SYNCHRONY AND CHASE)
American Eagle (SYNCHRONY)
Ameriprise (Barclays)
Apple (Barclays)
Ashley Furniture (SYNCHRONY)
Banana Republic (SYNCHRONY)
Belk (SYNCHRONY)
Babies R Us (SYNCHRONY)
Barclaycard Arrival
BJ’s (Barclays)
Bridgestone (CFNA)
Care Credit (SYNCHRONY)
Chevron (SYNCHRONY)
Dillard’s (SYNCHRONY) eBay
(GECRB)
Firestone (Citibank)
Gap (SYNCHRONY)
Golfsmith (SYNCHRONY)
Guide Dogs (UMB)
H.H.Gregg (SYNCHRONY)
Hooters (Merrick Bank)
JCPenneys (SYNCHRONY)
Linux (UMB)
L.L.Bean (Barclays)
PayPal (SYNCHRONY)
Priceline (Barclays)
QVC (SYNCHRONY)
Rooms To Go (SYNCHRONY)
Sallie Mae (Barclays)
Sam’s Club (SYNCHRONY)
Texaco (SYNCHRONY) TJX
(SYNCHRONY)
Toys R Us (SYNCHRONY)
Travelocity (Barclays)
UPromise (Barclays) US Air
(Barclays)
Walmart (SYNCHRONY)
Williams Sonoma (Barclays)
Your geographical location can impact which credit bureau a lender will pull from. This list is a collection of what we have researched in various places across the United States. Banks change their policies from time to time so if you experience that anything has changed, let us know!