Reply
Contributor
bobtail
Posts: 101
Registered: ‎10-20-2008
0

Advice & who pulls EX

[ Edited ]

 Hello,

 

Who pulls EX for Master Card or Visa?   My credit file is thin. Holding off on applying, because in need of car loan.   After reading some threads, should I apply for credit card before car loan?  Seems applicants are being denied due to recent car loans.  I only have a 320CL Orchard Bank.  No baddies on EX.  Two baddies on TU & EQ.,  A, 225,000 mortgage, 120 days, late but paid in full 2005 and one judgment from 2005 paid, reporting satisfied.   EQ history 18 years and EX & TU history 7 years.

 

I am in New Jersey

 

EX fako 731 (report clean)

TU 715   1 baddie satisfied judgment(2005)

EQ 693   2 baddies both satisfied

Message Edited by bobtail on 07-28-2009 12:36 PM
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Advice & who pulls EX

Addison Avenue Federal Credit Union pulls EX and has good rates.  Just join Financial Fitness Association for $5 and you are eligible.

 

Pennsylvania State Employees Credit Union (PSECU) pulls EX (but hard to qualify).

 

 

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Contributor
bobtail
Posts: 101
Registered: ‎10-20-2008
0

Re: Advice & who pulls EX

Thank You.  Should I apply for CC before auto loan?
Senior Contributor
score_building
Posts: 3,552
Registered: ‎01-10-2008
0

Re: Advice & who pulls EX

Affinity Federal pulls EX (will pull TU if EX is frozen sometimes)

citibank is a big EX puller YMMV

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Regular Contributor
ExcellCR
Posts: 153
Registered: ‎07-10-2009
0

Re: Advice & who pulls EX

HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up. :smileyhappy:
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Advice & who pulls EX

I would app for what you need first, and see if they will consider both on same pull.  Addison is awesome to talk to on the phone (so for at least) :smileyhappy:

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Advice & who pulls EX


ExcellCR wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up. :smileyhappy:

 

Does HSBC do auto loans?

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
ExcellCR
Posts: 153
Registered: ‎07-10-2009
0

Re: Advice & who pulls EX


txjohn wrote:

ExcellCR wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up. :smileyhappy:

 

Does HSBC do auto loans?

 

 




Oh sorry I didn't realize OP wanted one bank for both the card and auto loan. But googled and HSBC apparently discontinued auto loans in 8/08
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Advice & who pulls EX

[ Edited ]

My theory:

 

1.  CU's are best financial/credit partners

2.  Finding a CU who pulls your strongest CR is best

3.  Combination of CU paying good deposit rates and having good loan rates is double plus

4.  Addison Avenue has CC rates as low as 5.24% and auto loans ~5.49%

5.  Addison has dividend reward checking with 3.41% APR

6.  Addison pulls EX

7.  Anyone can join Addison (by joining Financial Fitness Association for $5)

 

So, from what I gathered from OP, Addison is a good candidate.

 

For me, EQ & TU were my best CR's, so I went with Alliant, PenFed & NFCU.  However, I joined Addison as well.

 

 

Here's a link to Addison membership page:

https://addisonavenue.com/membership/

Message Edited by txjohn on 07-28-2009 01:19 PM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
score_building
Posts: 3,552
Registered: ‎01-10-2008
0

Re: Advice & who pulls EX


ExcellCR wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up. :smileyhappy:


OP- yeah go ahead and skip HSBC, you can do better.

 

disclaimer:  this is a word to the wise, not an attack :smileyhappy:

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}