01-06-2012 05:37 PM
01-06-2012 05:40 PM
01-06-2012 05:46 PM
I'll add my experince with those who pulled TU only
Barclays - GE (both for my Lowes and Walmart)
Where are you located? As you can see sometimes a credit pull is dependant on location.
01-06-2012 05:48 PM
Try taking a look at whogavemecredit.com and you will find what you are looking for. 93% is pretty high so you got some work to do prior to prime card apps. Even if you find the card you want and the bureau they pull is right, be careful. It is not unusual to get multiple pulls on the bureaus. Try not to give them a reason to go snooping around on other cra's sites.
01-06-2012 06:00 PM
01-06-2012 06:04 PM
Ok thanks. I live in Arkansas. I have a Walmart, capital one(2), Dillard's, jcpenney, and Q card. Yes my utilization is ridiculous. The myfico score simulator takes me from 640 to 750 if I get my balances down. I know it's just an estimate, but keeps me hopeful!!!
That's probably not a bad estimate, I was guessing you'd go into the 700+ range easy with getting down that utilization... as it's absolutely crushing your score without a doubt.
01-06-2012 06:15 PM
Yikes, 93%, you def need to get that WAY down before apping for a Prime card, but you already know that.
AmEx is an EX puller when apping for their revolvers, but they are known to pull EX and TU when apping for one of their Charge cards, that's a YMMV type of thing.
Discover and Citi pulled EQ for me. NC
Depends on which State you reside. (google "creditpullsdatabase" or "whogavemecredit") I personally would not rely on the info posted there entirely, but you could get an "idea" of who pulls who.
Work on getting that util down, util too high is commonly a deal breaker.
Best of Luck.