Reply
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012
0

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

Usaa is EQ. For whatever reason, most CU's pull EQ

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
New Contributor
Axa
Posts: 141
Registered: ‎02-20-2013
0

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


MountainHiker wrote:
Wonder if USAA pulls experian?

You're welcome.

USAA pulls Equifax only.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
Established Member
mic003
Posts: 12
Registered: ‎03-21-2012
0

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

1+ most CU's pull EQ
Contributor
coachmiff
Posts: 94
Registered: ‎01-14-2013
0

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

chase and us bank for me in upstate NY--congrats!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

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

Pretty sure BOA and Amex pull EXP in Tx.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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

Best way to figure it out is to use whogavemecredit.com.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Swapmeet
Posts: 1,567
Registered: ‎11-10-2012
0

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

Or the credit pulls database at creditboards -- or both; I use both.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||10k|| Citi Double Cash ||7k||
Sallie Mae World MC ||18.8k|| Fico Scores (3 Fico Monitoring): EQ 748,TU 749, EX 740. Last app: 9-12-14 Sallie
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

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


MountainHiker wrote:

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?


MountainHiker,  I am in EXACTLY the same boat.  Literally. 

I just got the very last baddie ejected by Equifax from my report and the other two bureaus are crystal clean.  Plus I just paid off all my accounts (left a small balance on one of less than 5%).

Right now I am pouring over the forums and reading the fine print on the cards I am interested in and which are suggested to me by the wiser folks here. 

I have very few inquires as well and if you look in my siggy, you will see I am also an AU on some other cards so that will probably help as well.

 

What I have come up with for my situation is a three prong attack plan of:

Discover IT (Since they are being generous and I am already on a Disc account as an AU)

Chase Freedom (I bank there) for the rewards

Amex Premeire Gold (I can use it to buy fuel for the planes I fly which I get reimbursed right away for from my client)

If approved for Amex Prem Gold, app right away for BCP

Garden for 6 months to a year.

Research my options while in the garden.

 

I don't want to go crazy and blow my inq up but I do want to do them all at once.  I am even toying with the idea of a multi browser window app process but I dunno.

A LOT of the prime cards seem to rely on Equifax from what I can see.  ALL of them can and will pull from other bureaus for whatever reasons they feel though, so don't get too fixated on expecting them to pull where you think.  

 

I chose reasonable cards for the first round and the BCP app is in there only if I get Instant Amex Prem Gold approval, otherwise I think I will go for BCE.

I am still trying to figure out if I app for BCP and don't make it will AMex consider me for the BCE under the same pull?  I might just call them and ask the horse itself. :smileyhappy:

 

I hope this helps.  


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

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


Pilotdude wrote:

MountainHiker wrote:

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?


MountainHiker,  I am in EXACTLY the same boat.  Literally. 

I just got the very last baddie ejected by Equifax from my report and the other two bureaus are crystal clean.  Plus I just paid off all my accounts (left a small balance on one of less than 5%).

Right now I am pouring over the forums and reading the fine print on the cards I am interested in and which are suggested to me by the wiser folks here. 

I have very few inquires as well and if you look in my siggy, you will see I am also an AU on some other cards so that will probably help as well.

 

What I have come up with for my situation is a three prong attack plan of:

Discover IT (Since they are being generous and I am already on a Disc account as an AU)

Chase Freedom (I bank there) for the rewards

Amex Premeire Gold (I can use it to buy fuel for the planes I fly which I get reimbursed right away for from my client)

If approved for Amex Prem Gold, app right away for BCP

Garden for 6 months to a year.

Research my options while in the garden.

 

I don't want to go crazy and blow my inq up but I do want to do them all at once.  I am even toying with the idea of a multi browser window app process but I dunno.

A LOT of the prime cards seem to rely on Equifax from what I can see.  ALL of them can and will pull from other bureaus for whatever reasons they feel though, so don't get too fixated on expecting them to pull where you think.  

 

I chose reasonable cards for the first round and the BCP app is in there only if I get Instant Amex Prem Gold approval, otherwise I think I will go for BCE.

I am still trying to figure out if I app for BCP and don't make it will AMex consider me for the BCE under the same pull?  I might just call them and ask the horse itself. :smileyhappy:

 

I hope this helps.  



Really like your strategy for building credit its well thought out.I can't give you a good answer as to the workability of using duel browsers when apping. Have never tried it myself but I've heard good and bad opinions about the outcome with several people having enjoyed success with that method. Being a pilot catering to the needs of private clients probably does require having a few cards with sizable limits, what with petrol being so expensive not to mention the other services requested(food,alcohol,ground transportation ect). I'm using my cards for only personal expenditures so a combined amount of $50k is more than enough.Five good cards would be excellent with one of them having a substantial limit.   When are you going to begin your first app attempt?

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

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+