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Were trying to build my wifes credit back. Im unsure what her Ex score is, but from this site her TU is a 630 & her EQ is a 680. Im thinking her EX should be close to her EQ since both reports are about the same. She has a charge off on her TU for $1,300 from Applied bank. They bought the account from another CC a few years ago. I was able to get it deleted off her other two reports. Right now she only has two CC, C1 500 cli and an Orchard 400 cli and a student load she owes about $3,000 on. She maked close to 80k last year. I want to get her a new card that would only look at EQ or maybe EX. Any ideas?
@Juss11 wrote:Were trying to build my wifes credit back. Im unsure what her Ex score is, but from this site her TU is a 630 & her EQ is a 680. Im thinking her EX should be close to her EQ since both reports are about the same. She has a charge off on her TU for $1,300 from Applied bank. They bought the account from another CC a few years ago. I was able to get it deleted off her other two reports. Right now she only has two CC, C1 500 cli and an Orchard 400 cli and a student load she owes about $3,000 on. She maked close to 80k last year. I want to get her a new card that would only look at EQ or maybe EX. Any ideas?
AMEX primarily pulls EX. Chase can be a toss up between EX/EQ. So can Citi. BofA like to pull EX.
Discover and GECRB pulled EQ only for me.
@pizzadude wrote:
Discover and GECRB pulled EQ only for me.
Discover pulled EQ+TU for me
@AF_23 wrote:
@pizzadude wrote:
Discover and GECRB pulled EQ only for me.
Discover pulled EQ+TU for me
You know I just double~checked my TU and Discover did in fact pull both TU and EQ ~ thanks for pointing that out. Somehow I missed it on my TU report....
I honestly don't know if there's a card that only pulls EQ. Citi only pulled EQ for me (3 times on 3 different occasions) but it seems to vary from customer to customer. Discover pulled EQ from me as well...but also pulled TU a different time, so you just never know.
Credit unions tend to pull EQ. There is NO absolute answer to your question. What lender pulls is the luck of the draw.
Elan financial visa pulled equifax for me in nh