Okay, I just got Citi Identity Monitor.
Takke almost ALL my pulls are on Experian. Amex pulled from Experian and so did Chase (thank G-d for a successful 2bm and 3bm with them.) Only Barclay pulled from TU. (I am in Pennsylvania, BTW.)
What is interesting is a few things:
1) That my Citi IM FAKO score for Equifax is pretty close to the real FICO. They gave me a 785. My real score is 786.
2) The difference between my Equifax (786) where there was only one pull and my Experian (750) where there were 7 cc pulls is 36. 5 points a pull sounds right, no?
Six months into this hobby, here is the update. I know the Citi IM scores are FAKOs, nevertheless... Equifax went from 786 to 797, Experian went from 750 to 770.
IOW... in six months, I have kein ayn harah, amassed close to a half a million miles and my credit scores have all gone UP!
Thanks, Dan! And thanks to all of you who answer questions and give guidance so graciously.