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Author: RedFi Three stars, 500 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310154  
Subject: Re: Credit Industry Opposes Anti-ID Theft Method Date: 7/4/2007 10:32 AM
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Bank pulls Experian, pull fails, pulls Transunion, pull succeeds.

My understanding of the relationship between CRAs and financial institutions is that many lenders have exclusive relationships with the individual CRAs. For example, BigBank1 pulls Experian reports while MegaBank2 only pulls Transunion reports. If the Experian report isn't there BigBank1 doesn't then pull a Transunion or Equifax report. On the other hand, BigBank1 would report the inquiry to all three CRAs. It is true that not all of the credit reports would necessarily synch up to report 10 inquiries simultaneously. I'm not sure how a single credit freeze would affect scoring on a tri-merge credit report, but generally these are only generated for mortgage / HELOC applications.
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