Business Funding Using Your EIN and DUNS Number: How These Identifiers Actually Work
Your EIN and DUNS number are required infrastructure for business funding — but neither has credit history on its own. Here is exactly what each one does, how lenders use…
Read Article →
Chase Credit Bureau Pull & Approval Requirements: 5/24 Intelligence and Score Patterns
Chase pulls Experian in most states, enforces the 5/24 velocity rule above all else, and approves most Freedom products around 670-720. Complete…
American Express Approval Requirements & Bureau Pulls: Score Ranges and Underwriting Intelligence
Amex pulls Experian primarily, approves entry products around 670-720, and rewards existing member relationships above nearly all other factors. Complete bureau pull…
Capital One Approval Requirements & Bureau Pulls: Triple Pull Intelligence and Score Ranges
Capital One pulls all three bureaus on every application, approves fair credit starting around 580, and is the most accessible major issuer…
Bank of America Approval Requirements & Bureau Pulls: 2/3/4 Rule and Relationship Intelligence
Bank of America primarily pulls Experian, enforces a 2/3/4 velocity rule, and significantly rewards existing banking relationships in their underwriting model. Complete…
Discover Approval Requirements & Bureau Pulls: Fair Credit Access and Strategic Bureau Intelligence
Discover pulls Equifax or TransUnion (not Experian), approves fair credit starting around 640, and has the best secured-to-unsecured upgrade path in the…
Citi Approval Requirements & Bureau Pulls: 8/65/95 Rule and 48-Month Bonus Intelligence
Citi pulls Equifax in most markets, enforces the 8/65/95 velocity rule, and applies a 48-month bonus restriction on most cards. Complete Citi…
Wells Fargo Approval Requirements & Bureau Pulls: Account Relationship Intelligence and Score Ranges
Wells Fargo primarily pulls Experian, approves most products around 670-720, and significantly favors existing banking customers. Complete Wells Fargo approval intelligence including…
Navy Federal Credit Union Approval Requirements: Score Ranges, Bureau Pulls & Membership Intelligence
Navy Federal pulls TransUnion primarily, approves fair credit starting around 580, and delivers consistently better terms than major banks at every score…