FatWallet.com has a list of financial institutions that perform “hard”
credit inquiries when one applies for financial products other than a credit
card or a loan. I consider this information useful when, for example, two
banks offer similar products with same rates, but one does soft pull and one
pulls a hard one, then I will choose the former over the latter. Also, if
one plans to get a mortgage soon, then opening multiple checking/savings
accounts or brokerage accounts from institutions that do conduct “hard”
inquiries will affect the credit scores and, thus, the interest rates.
I edited the list (shortened it) to it only contains entries that are of
general interests. Use the link above to access the complete list.
American Express – for a One Financial account
Ameriprise Insurance – for car insurance quote
AT&T – for wireless phone account
Bank of America – for checking/savings/MM/CD accounts
Bank of New York – for checking/savings account
Brown & Co. – for every account
Chase Manhattan Bank – for checking account
Cingular Wireless – for wireless phone account
Citibank – for checking/savings/ e-Savings/CD account
Comcast cable – for TV/high speed internet account
Ebank – for checking account
Everbank – for checking/money market account
GMAC Bank – for money market account
ING Direct – for Electric Orange checking account
Presidential Bank – for checking account
Schwab – for checking account
Scottrade – hard pull on Equifax
State Farm Auto Insurance – for auto insurance quote
T-Mobile – for wireless phone account
TD Ameritrade – for IRA account
UFBDirect.com – for money market savings account
Verizon – for phone/DSL/VoIP/wireless phone account
Wachovia – for checking account
Wells Fargo – for changing address or adding additional account holder on
existing accoun