NFCU FAN CLUB FAN#1Thank you. I thought hard about applying for these. I was surprised at being approved fro the fia amex didn't even have to recon. I am just wondering people the pull exclusively EQ so I can plot what I would app for. Don't NEED anything.
ryanbush wrote:you have some great cards, especially that fidelity amex... what exactly are you looking for in a card?
That is good to know about DCU. I wouldn't mind the free score and I have heard they have very competitive auto loan rates.
OptimasPrime wrote:OP, I don't know if you are aware of Penfed, but they pull eq only. Hard to get cc's with though.
There's a few other cu's that pull eq exclusively (DCU comes to mind). Not really any national lenders that pull eq only though.
I was looking at their cards last night. The rewards seem pretty poor.
dodgeball wrote:USAA pulls EQ
I'm in Florida, and Citi pulls EQ for me.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
WIth the exception of Penfed, and possibly SDFCU depending on your needs, most of the EQ pullers are tradeline farms I think on this forum.
USAA / DCU rewards structures aren't competitive currently, but both give respectable limits compared to other lenders, and DCU does have their free FICO which tends to get it quite a bit of popularity on this and other credit forums for a tradeline that is there for credit report purposes rather than actual use. I get Alliant / Ally confused but one of them is an EQ puller with extremely good rates on their checking/savings accounts. Someone hopefully will clarify that for me heh.
SDFCU is notable by their EMV chip/pin cards across their line, if you travel internationally this can be very handy, and they have a rather unique secured product if you need one.
Beyond that, national lenders will pull any of the three bureaus almost by definition and as such most others are one-offs like GE's CareCredit.
From a rewards perspective though, there isn't much beyond Penfed as you've noted... have to really look beyond simple reward chasing to make use of the other lenders effectively in my opinion.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
DCU - Pulls EQ. Free monthly EQ FICO. 8.5% APR on non rewards. Good starting CL. No cash advance fee when transferring to DCU checking/savings account. Early access to Direct Deposit pay (up to two days early). The only hassle I've read is that the membership process is hit or miss due to identity verification issues.
Alliant - Pulls EQ. Great rates on checking/savings account. Extremely fast ACH push/pull hub. Decent starting limit but they reward you for good history.
Penfed - Pulls EQ. Great rates and great starting limit. Quarterly preapprovals. EMV available for their VISA cards. However, they can be difficult to get.
USAA - Pulls EQ. Great rates and limit for full members but potentially poor APR on CC products for limited members. I'm a limited member and got $15K CL and 17.9% APR with 766 FICO score.
Nordstrom - Pulls EQ. Visa signature card. (Freeze EX/TU just to be certain)
Delta Community Credit Union - Pulls EQ.
Justice Federal Credit Union - Pulls EQ. Their Personal Line of credit reports as an installment loan. Membership is hit or miss.
SDFCU - They no longer pull EQ for credit products. They have switched exclusively to Experian now
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