Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 155
Registered: ‎03-29-2009
0

Any Credit card companys that pull Experian only?

My Experian score just jumped to a 674 FICO "Checked by local credit union" Curious if any credit card companys pull Experian only?

 

I live in California.

 

Thanks

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Any Credit card companys that pull Experian only?

[ Edited ]

American Express only pulls Experian and they do their own evaluation, rather than use FICO score.

Regular Contributor
Posts: 164
Registered: ‎09-23-2008
0

Re: Any Credit card companys that pull Experian only?

Addison Avenue FCU

 

American Express may pull more than Experian if they don't like what they find.

Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Re: Any Credit card companys that pull Experian only?

Very true.. Amex pulled all 3 when I app'd with them 


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
New Contributor
Posts: 57
Registered: ‎03-26-2010
0

Re: Any Credit card companys that pull Experian only?

Chase pulls EX in my state (GA) but I think they are known to pull from the other two if you have EX frozen.


Starting Score: 610
Current Score: 676
TU: 678
Goal Score: 740


Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,830
Registered: ‎03-11-2009
0

Re: Any Credit card companys that pull Experian only?


keikdasneak wrote:

My Experian score just jumped to a 674 FICO "Checked by local credit union" Curious if any credit card companys pull Experian only?

 

I live in California.

 

Thanks


I live in Calif too.  US Bank pulled EX for me.  Good luck to you.

FICO 08
TU 840 9/2/16
EX 829 9/2/16
EQ 832 9/2/16
(NASA 30K) ( Amex 34.1k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008
0

Re: Any Credit card companys that pull Experian only?

Citi often pulls EX.

GAG
New Visitor
Posts: 2
Registered: ‎04-18-2007
0

Re: Any Credit card companys that pull Experian only?

Thanks ...so does a Experian 712 score get me a Plum Amer X or any other

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0

Re: Any Credit card companys that pull Experian only?

kelkdasneak and GAG, can I ask where you got your Experian scores?

 

Experian stopped allowing consumers to buy our own EX FICO scores on 2/13/2009. You can only find out what your EX FICO when you app for a mortgage (a bit drastic), or if you belong to a specific credit union in Pennsylvania (PSECU) or a handful of other banks that give your score on your statements. Even then, you have to read their fine print to confirm that it's a FICO score.

 

Otherwise, any Experian "credit score" that you see is a non-FICO score, aka a FAKO. There isn't a reliable conversion formula to compare them to FICO's, and the score ranges on FAKO formulas vary greatly, so a 720 on one could be better (or worse) than a 720 on another, and neither has anything to do with a 720 EX FICO.

 

As for who pulls what, this does vary by where you live and your overall credit picture, but in my experience, BofA and American Express each pulled Experian. Sometimes, when a lender pulls a report, if something looks a little odd, they'll go ahead and pull another, or even both the others. And then CapOne, of course, pulls all three, just because they can. Smiley Tongue

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 847
Registered: ‎03-20-2008
0

Re: Any Credit card companys that pull Experian only?


haulingthescoreup wrote:

kelkdasneak and GAG, can I ask where you got your Experian scores?

 

Experian stopped allowing consumers to buy our own EX FICO scores on 2/13/2009. You can only find out what your EX FICO when you app for a mortgage (a bit drastic), or if you belong to a specific credit union in Pennsylvania (PSECU) or a handful of other banks that give your score on your statements. Even then, you have to read their fine print to confirm that it's a FICO score.

 

Otherwise, any Experian "credit score" that you see is a non-FICO score, aka a FAKO. There isn't a reliable conversion formula to compare them to FICO's, and the score ranges on FAKO formulas vary greatly, so a 720 on one could be better (or worse) than a 720 on another, and neither has anything to do with a 720 EX FICO.

 

As for who pulls what, this does vary by where you live and your overall credit picture, but in my experience, BofA and American Express each pulled Experian. Sometimes, when a lender pulls a report, if something looks a little odd, they'll go ahead and pull another, or even both the others. And then CapOne, of course, pulls all three, just because they can. Smiley Tongue


Don't know about GAG but Kelkdasneak stated their local credit union gave him the score. I'm assuming that is probably a true FICO? I could be wrong.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.