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CC Company that Checks EXP

Contributor

CC Company that Checks EXP

Anyone know of a credit card company that exclusively uses Experian for credit checks? I'm dying to know what my Experian FICO score is...

Message 1 of 10
9 REPLIES
Established Contributor

Re: CC Company that Checks EXP

Try www.whogavemecredit.com/

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 2 of 10
Moderator Emeritus

Re: CC Company that Checks EXP


Cageym wrote:
Try www.whogavemecredit.com/

+1

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 10
Established Contributor

Re: CC Company that Checks EXP

Amex seems to. That is how I received mine.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 4 of 10
Established Contributor

Re: CC Company that Checks EXP

In Colorado: Amex, US Bank, Chase.

Message 5 of 10
Senior Contributor

Re: CC Company that Checks EXP

The only one I know of who exclusively checks EX is Amex. And even they have been known to pull EQ and/or TU if someone is borderline.

 

Citi pulled EX for me, but they will pull others. Chase is random as well. Very few CCs stick to a single CRA. Sometimes  it's random and sometimes it appears to be geographically determined.

 

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 6 of 10
Valued Contributor

Re: CC Company that Checks EXP

AMEX pulled EX for my Zync and EQ and TU for my Delta (Zync was instant and then apped for Delta and they pulled the other two CR's).  Ive also been looking at 1 more EX pull.  I would love Chase Freedom but not sure if I would be approved.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 10
Valued Contributor

Re: CC Company that Checks EXP

For me AMEX, and Citi.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 8 of 10
Established Contributor

Re: CC Company that Checks EXP


Duncanrr wrote:

AMEX pulled EX for my Zync and EQ and TU for my Delta (Zync was instant and then apped for Delta and they pulled the other two CR's).  Ive also been looking at 1 more EX pull.  I would love Chase Freedom but not sure if I would be approved.


I think your scores are high enough, if they come with a good history over the past couple of years and decent income.

Message 9 of 10
New Contributor

Re: CC Company that Checks EXP

Amex and I believe Credit 1 Bank in Alaska. But I would avoid the Credit 1 if you can..

Message 10 of 10