// FREE GUIDE — THE CREDIT LAB
// CREDIT PULL INTELLIGENCE

THE INQUIRY
INTEL FILE

Discover which bureau 100+ banks pull — by state, by FICO version, and by application type. The intelligence that lets you apply strategically.

  • ✓100+ banks and credit unions mapped and documented
  • ✓State-by-state pull charts — know before you apply
  • ✓FICO version grid — F8 vs F9 for every major lender
  • ✓Bank call-outs — Chase, Citi, Capital One, Navy FCU & more
No spam. Just credit intelligence.
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Credit Rick
// CREDIT RICK FREE GUIDE
THE INQUIRY INTEL FILE
100+ Banks & Credit Unions · State Pulls · FICO Version Grid
  • How to read this guide
  • State pull chart (50+ states)
  • FICO version grid (F8 vs F9)
  • Bank-specific call-outs
// SAMPLE: BUREAU PULLS
BANKEXPEQXTU
Chase✓——
Capital One✓✓✓
Amex✓——
Discover—✓—
Wells Fargo✓——
9 PAGES creditrick.com
100+
BANKS
3
BUREAU GRIDS
50+
STATES
9
PAGES
// TABLE OF CONTENTS

WHAT'S INSIDE

01
HOW TO READ THE GUIDE
Orientation, how the data was compiled, and how to use the charts to build a pull-aware application strategy.
02
STATE PULL CHART
State-by-state breakdown of which bureau major lenders pull from. Apply from the right address on the right day.
03
FICO VERSION GRID
F8 vs F9 for every major lender. Which score version they pull. Which version actually matters for approval.
04
BANK CALL-OUTS
Chase, Citi, Capital One, Navy FCU, Amex, Discover & more. Application quirks, internal score triggers, sensitive lenders.
05
BEYOND THE PULL
What to do after a hard inquiry lands. How to protect utilization, sequence apps, and time your rebuild correctly.
06
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