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New Visitor
Posts: 5
Registered: ‎03-15-2009
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Credit Cards/Approvals

Based on my inquiries on my report, certain companies go to Experian others don't, some pull from Equfax and not trans union. Which credit card companies inquire through Experian? which thru Trans Union? and which thru Equifax. The reason why I ask is my scores vary between agencies and I've been approved because they went thru Equifax which is higher and then another company pulled fro Experian which is lower. So how do you know which look up which agencie for approval?
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
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Re: Credit Cards/Approvals

Welcome to the forums!

 

It really depends on the CCCs (credit card companies) and where you live. Some CCCs utilize a certain CRA (credit reporting agency) more than others.

 

Amex is a huge EX puller

Discover mostly EX or TU

CITI mostly EQ

Macy's mostly EX

Chase might pull any one of the three, they're very hard to predict

 

I live in Hawaii, aka EX land. I suggest you ask about a specific CCC and tell everyone which state you're in, you might very well get some good information. 

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

New Visitor
Posts: 5
Registered: ‎03-15-2009
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Re: Credit Cards/Approvals

Ok thank you.. Will do

I'm in California.. Was wondering about Sears, AMX, Target etc..

Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: Credit Cards/Approvals

All depends on where live every Citi card i have applied for has always pulled EX. GE is a big EQ puller.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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New Visitor
Posts: 5
Registered: ‎03-15-2009
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Re: Credit Cards/Approvals

I live in Southern California
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: Credit Cards/Approvals


Revealing wrote:
I live in Southern California

 

This site will help u out allot also.

www.whogavemecredit.com


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Established Contributor
Posts: 851
Registered: ‎07-01-2008
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Re: Credit Cards/Approvals


Revealing wrote:
I live in Southern California

 

I also live in so cal and here is a list of who pulled what for me.

Chevron-Eq

Sams -Eq

Wal Mart- Eq

Jc Pennys - Eq

Capitol One -Eq/Ex/Tu ( i believe Cap One always pulls all 3)

Chase (Circuit City)-Eq

Norstrom-Eq

Target-Eq

Macys-Ex

Chase Master Card-Ex

Hsbc (Best Buy)-Eq

 

Established Contributor
Posts: 645
Registered: ‎10-24-2007
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Re: Credit Cards/Approvals

Amex, Target, and Walmart all pull EQ in So. Cali I believe... Most of the larger credit unions also pull EQ. Sears pulls EX.
New Visitor
Posts: 5
Registered: ‎03-15-2009
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Re: Credit Cards/Approvals

Thanks Vegas
New Visitor
Posts: 5
Registered: ‎03-15-2009
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Re: Credit Cards/Approvals

Thank you very much

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