Reply
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Time goes by fast can't believe that collection has now fallen off my Experian. Should happen in april for EQ and TU. Question is which prime credit card companies pull mostly Experian,except for american express?

Thanks

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
j_casteel
Posts: 1,679
Registered: ‎06-21-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

whogavemecredit.com and google "credit pulls database"

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:698
Goal Score: 700
across the board
Frequent Contributor
E150GT
Posts: 371
Registered: ‎12-30-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

wells fargo pulled experian for me. Chase and discover did not.


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

BoA, Ohio.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Chase normally pulls experian. In CA.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Btw congrats on the collection falling off!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
New Contributor
Axa
Posts: 141
Registered: ‎02-20-2013

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?


MountainHiker wrote:

Time goes by fast can't believe that collection has now fallen off ...


This is exactly what happened to me. Before applying to anyone, I'd shop for the credit you want, then start categorizing to bureaus. The reason is because of the inquiries pulling down your score. Your score updates almost instantly and each pull lowers the score for a few months. I made the mistake of not applying to the card I wanted at first and got denied after getting approved for some nice CCs because I was 14 points below due to inquiries. Granted, I didn't know I wanted it before I started applying, but that, too, was because I didn't research enough.

 

If I could turn back time, I'd ask around and become prepared like you're doing. Good luck, and good for you for being vigilant over your reports!

 

For EX,  you may want to check out some credit unions. I remember reading recently that a few of them pull EX only. Sorry for being vague. I mainly wanted to post my congratulations to you.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?


ObeyJohnny12 wrote:
Btw congrats on the collection falling off!

Thank you everyone really want to get this right.

Thank you ObeyJohnny. Really is a BIG deal to have a clean report.7 years is a long time to work with negatives on my file. I wonder if CitiBank pulls Experian?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

[ Edited ]

Axa wrote:

MountainHiker wrote:

Time goes by fast can't believe that collection has now fallen off ...


This is exactly what happened to me. Before applying to anyone, I'd shop for the credit you want, then start categorizing to bureaus. The reason is because of the inquiries pulling down your score. Your score updates almost instantly and each pull lowers the score for a few months. I made the mistake of not applying to the card I wanted at first and got denied after getting approved for some nice CCs because I was 14 points below due to inquiries. Granted, I didn't know I wanted it before I started applying, but that, too, was because I didn't research enough.

 

If I could turn back time, I'd ask around and become prepared like you're doing. Good luck, and good for you for being vigilant over your reports!

 

For EX,  you may want to check out some credit unions. I remember reading recently that a few of them pull EX only. Sorry for being vague. I mainly wanted to post my congratulations to you.


Wow, what a very supportive post.Thank you for that. I must say I learned a lot during this experience of not having a clean report.There are certain things I would never want to repeat.And there is something symbolic in new beginnings. That is another reason why its important that I attempt to make better choices this time around. Before, I didn't truly understand how credit worked, the value in keeping utlization low or, difference in prime cards versus the others. Better informed better results is a true statement. I would like to add CitiBank and Discover.

 

But right now would like to give my EQ a bit of a rest(even after its clean) and only go after cards that are Experian friendly. Very open to a good credit Union.Wonder if USAA pulls experian?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Member
mic003
Posts: 12
Registered: ‎03-21-2012

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Citibank pulls experian, just got approved for citi thankyou preferred monday and thats who they pulled. In the past they have also pulled experian for me and for my sister they also pulled experian. I also just got Discover It and was surprised they pulled all 3 bureaus. But i least i got approved. I say go for citi and wait for the discover, just in case.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+