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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

CCs that only pull EQ or TU

Can anyone recommend CCs that ONLY pull either EQ or TU for their apps, and don't have super-high standards.

 

Thanks!

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: CCs that only pull EQ or TU

[ Edited ]

Barclays pulls exclusively TU. Pretty easy card to get.

 

Discover and Citi pulled EQ I'm in NC. Not the easiest cards to get though.

 

And Pen Fed exclusively pulls EQ. Not the hardest CC to get, however you will need to open a savings account with a whopping 5 dollars and also you will need to join of of their charitys, they have two, one costs 15 and the other is 20, they will do a hard pull from EQ to open the savings acct, but will use the same pull if you app for their CC. I hear they aren't the hardest CC to get and they give good starting CLI'S.

 

Just a few off the top of my head.

 

Best of Luck!

 

 


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: CCs that only pull EQ or TU

Thank you, Mustanglvr. I'm considering Barclay's, but want to see what other options are out there that may be better. It's helpful to know that PenFed w/only do one hard pull on EQ for opening account and CC app.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: CCs that only pull EQ or TU

You're welcome and sorry for my post all clustered, I posted it using my Droid X Cell Phone, I had it all written in paragraphs and when I posted it, it was all jumbled into one big sentence.

 

Will fix now.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: CCs that only pull EQ or TU

I should also mention about Pen Fed......

 

I called yesterday and was speaking to a Pen Fed Rep and told her I had my EQ locked (Froze) and asked if I were to open a savings acct. would they be OK with just doing a soft pull for that and she said yes, but in order for them to process an app for a CC they would have to do a hard, so I would have to unlock it.

 

Just thought I'd throw that out there.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
stanggt03
Posts: 437
Registered: ‎05-21-2011
0

Re: CCs that only pull EQ or TU

My wife just applied for Barclay's iTunes and got denied last night. Her TU is her highest score (FAKO). I'm guessing it's probably because she only has one CC with high utilization, her car loan and then mine (she cosigned). We came out of bankruptcy in the winter. Today I applied for her with Capital One and she was approved. Cap One Cash Reward card. $500CL with 17.9 interest after Feb (0% till Feb). TU was pulled on her for both. I also got the same Cap One card last night. TU was pulled. We are in Illinois.


Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: CCs that only pull EQ or TU

Thank you for the replies. I'm considering Barclays, but am concerned because they've taken AA against people on the forum (since they do a monthly soft pull on all 3 CRAs). I'm intrigued by PenFed; though I'm not sure if I'd be approved. My EQ FICO is about 670 and my TU FICO is just under 700 (but has 1 more inq that EQ).

 

The reason why I'm looking for a new card is because I don't expect my 2 Cap Ones to get a decent CL based on the experiences I've been reading about here. I'd like to get a better card asap so I'll be able to have more util and build my AAoA sooner.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: CCs that only pull EQ or TU


stanggt03 wrote:

My wife just applied for Barclay's iTunes and got denied last night. Her TU is her highest score (FAKO). I'm guessing it's probably because she only has one CC with high utilization, her car loan and then mine (she cosigned). We came out of bankruptcy in the winter. Today I applied for her with Capital One and she was approved. Cap One Cash Reward card. $500CL with 17.9 interest after Feb (0% till Feb). TU was pulled on her for both. I also got the same Cap One card last night. TU was pulled. We are in Illinois.



Wow!  Are you sure Cap One didn't pull all 3?  Historically they like to pull them all. 

 

But a lot of folks would be happy to hear if they only pulled one.

Just puttin' syrup on something, don't make it pancakes.
Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: CCs that only pull EQ or TU


stanggt03


Not to derail the thread, but I like your user name, 06 GT here

 

 

When I apped for my Cap1 CC's, they pulled all three CRA's


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
stanggt03
Posts: 437
Registered: ‎05-21-2011
0

Re: CCs that only pull EQ or TU

If they pulled the other two, it hasn't shown up yet. TU is the only one showing up.


Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge

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