Credit Cards

[princechristian]

Hello All,

I would like to know which CCs only pull Experian and/ or Transunion? Why? Because my Equifax file is the only one that reports my auto loan, paid off recently but several recent late payments, and my personal loan, still open but one recent late payment.

Experian 606, Equifax 524, Transunion 595

I currently do have high utilization being reported on a few cards, and expect score increases across the board when they reflect low-0 balances next month, when I plan to app for a few cards, but It does not seem that my Equifax file will have a good chance of cracking 600 by then. While my Experian and Transunion files should be in the mid 600s, best case scenerio. 4 revolving cards, oldest 2 years old next month, all perfect payment history, and a $307 collection from 2010 are the only things on my Experian and Transunion files. I'm eligible at Navy so NFCU cards are my first priority, USAA and Capital One are my other interests. Please help with information and/or experiences with CCs who only pull Experian and/ or Transunion?

Thanks.

[Jutz]

Not sure why Cap1 would be of interest - They pull all three everytime.

GE and Barclays pull TU from what I know

[p-]

Chase has always pulled Experian exclusively for me, except for a TU pull when a dealer ran me for auto credit back in '11.  But you should definitley fine-tune your utilization first, and might have to call for a manual recon if you are denied.  Your score needs a bump.

[visorboy1974]

Chase just recently pulled EX and TU for me.  

[princechristian]

Cap 1 is no longer of interest! Lol.. Thought they only pulled Experian and Transunion for me when declined 7mths ago, but I see the Equifax pull now, was seperate.

Also seeing that NFCU likely pulls Equifax for cards.

Chase is now on my interests list. Thanks guys!

[Omri]

Chase has always pulled EQ (and usually EX as well) for me in Ohio (and I've had 4 different pulls from them for CCs/CLIs), so YMMV.

[tennisfan78]

Bank of America pulled Transunion.

Us Bank always pulled Equifax for me.

[daybreakgonesXe]

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princechristian wrote:

Hello All,

I would like to know which CCs only pull Experian and/ or Transunion? Why? Because my Equifax file is the only one that reports my auto loan, paid off recently but several recent late payments, and my personal loan, still open but one recent late payment.

Experian 606, Equifax 524, Transunion 595

I currently do have high utilization being reported on a few cards, and expect score increases across the board when they reflect low-0 balances next month, when I plan to app for a few cards, but It does not seem that my Equifax file will have a good chance of cracking 600 by then. While my Experian and Transunion files should be in the mid 600s, best case scenerio. 4 revolving cards, oldest 2 years old next month, all perfect payment history, and a $307 collection from 2010 are the only things on my Experian and Transunion files. I'm eligible at Navy so NFCU cards are my first priority, USAA and Capital One are my other interests. Please help with information and/or experiences with CCs who only pull Experian and/ or Transunion?

Thanks.

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Citi, Chase, and TD Bank all pulled Experian for me! Only TUs I had for credit cards were from GE!

[princechristian]

I guess where you all are located should have also been apart of my original question. I live in Alabama.

So, which CCs only pull Experian and/ or Transunion? And which state do you live in?

I simply would like to get my foot in the door with cards that are generous with CLI, which is why NFCU and USAA were on my radar first, but it seems I will have to wait for those. Store cards I wouldn't mind having are Tigerdirect account, Walmart card, Amazon, and Express card.

[bmd0224]

Here in NC:

AMEX, BoA, pull Experian

GE, Barclays, and sometimes BoA as well pull TU

Chase has pulled EQ

Merry Christmas!