CC's that pull exclusively (or mostly) EQ

[Brusilov]

I'm wondering other than Penfed and NFCU...are there some others that pull only EQ?  I'm located in MN and am looking to apply once my score hits around 650-675-ish.

[DI]

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

[Brusilov]

Thanks for the list!  It looks like in the Credit Pulls Database Citi pulls exclusively EQ for MN.  Do you think it'd be reasonable to apply for one of their cards (Citi Forward?) in the high 600s, or better to just wait?  In about 10 months a couple major baddies will be dropping off my report entirely.

[DI]

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@vonmannstein wrote:

Thanks for the list!  It looks like in the Credit Pulls Database Citi pulls exclusively EQ for MN.  Do you think it'd be reasonable to apply for one of their cards (Citi Forward?) in the high 600s, or better to just wait?  In about 10 months a couple major baddies will be dropping off my report entirely.

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You should wait until your baddies drops  so that you can get approved with high limits and low rates. 

[JagerBombs89]

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@DI wrote:

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

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In my experience, Chase has pulled EX for inital application and another for a CLI.

[DI]

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@JagerBombs89 wrote:

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@DI wrote:

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

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In my experience, Chase has pulled EX for inital application and another for a CLI.

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I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

[Anonymous]

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I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

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Just remember that once you open an account with any creditor, they can (and will, and do) soft you anywhere they want. 

Those soft pulls can result in AA, such as CLD's and closed accounts.

[vish1]

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@DI wrote:

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@JagerBombs89 wrote:

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@DI wrote:

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

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In my experience, Chase has pulled EX for inital application and another for a CLI.

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I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

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Frozen reports is a different game but normally Chae is not exclusive EQ. They pulled EX for me everytime.

Barclays? Isn't Barclays primarily TU? I can be wrong...

[Brusilov]

Well for me personally I let 2 cards go to collections - both under Chase (Chase & Providian -> Wamu -> Chase) so I think I may have burned bridges on that one.

I'm not too worried about softs on my other 2 reports, but my EQ seems to be ahead of the others in FICO score.  It is something I should keep in mind, though.

[wajj]

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@vish1 wrote:

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@DI wrote:

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@JagerBombs89 wrote:

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@DI wrote:

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

---

In my experience, Chase has pulled EX for inital application and another for a CLI.

---

I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

---

Frozen reports is a different game but normally Chae is not exclusive EQ. They pulled EX for me everytime.

Barclays? Isn't Barclays primarily TU? I can be wrong...

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Barclay's pulled TU for me (twice on 2 different cards).  Citi pulled EX (refused to process my application while EX was frozen).  DIscover pulled TU for me -- both the original app and for a large CLI I requested. 

You can say that certain cards pull from certain CRAs but the fact of the matter is no one can ever say for certain what will be pulled when you apply.