A data base is needed that lists which credit bureaus are used by the different credit card issuers. One could then review their credit report and FICO score prior to requesting a credit line with a specific bank. There would be no waisted hard pulls on ones credit report and therefore no FICO score decreases in vain.
Welcome to the NerdWallet community, fatandsazzy!
This is an interesting idea and I’m sure a lot of people wish this existed. It’s so frustrating to believe you have a healthy credit score, then have your application denied - and your score dinged as a result of the hard inquiry - because the issuer was referencing a score from a different bureau.
While your credit score should typically be pretty similar across the credit bureaus, there can sometimes be significant variations as a result of differences in their algorithms and from credit issuers not necessarily reporting to all three bureaus.
I unfortunately haven’t heard of any such thing yet (and don’t imagine either bureaus or lenders are especially incentivized to create one) but if you ever come across such a database, I hope you’ll share it with us!