Credit Cards that pull Experian???

[Anonymous]

Can anyone tell me which credit cards pull EX? That is my best score until the baddies fall off TU the next few months and I'd like to get ride of my sub prime card from FirstPremier...Tired of all the fees and low limits, I have a CAP1 card with a $4000 CL and a ORCHARD with 1,100 CL...Total Utilization of all card is 50%, but been afraid to apply because of my TU score of 678 when my EX is 731

Thanks for you help

[DI]

American Express and Bank of America are two that I know of for sure. 

[Anonymous]

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@Anonymous wrote:

Can anyone tell me which credit cards pull EX? That is my best score until the baddies fall off TU the next few months and I'd like to get ride of my sub prime card from FirstPremier...Tired of all the fees and low limits, I have a CAP1 card with a $4000 CL and a ORCHARD with 1,100 CL...Total Utilization of all card is 50%, but been afraid to apply because of my TU score of 678 when my EX is 731

Thanks for you help

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Macy's, Bank of America and AmEx have all pulled Experian for me.  A good place to see for sure is at whogavemecredit.com.

I think one problem you may have even with Experian is your utilization.  Some creditors might think 50% is too high.

[vish1]

Chase has always pulled experian for me. PSECU also pulls experian.

[laz98]

american express & bank of america pull equifax here.

[armymom]

Chase, Citi, Amex and BofA pulled EX on me.

[DI]

The best thing to do is put a freeze on your EQ and TU and start apping away.  Those who try to pull anything but EX won't have success. 

[Walt_K]

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@DI wrote:

The best thing to do is put a freeze on your EQ and TU and start apping away.  Those who try to pull anything but EX won't have success. 

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I have a question about this strategy for cards that pull multiple reports, e.g., capital one.  Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX?  If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs.  Hopefully someone can clarify.

[DI]

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@Walt_K wrote:

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@DI wrote:

The best thing to do is put a freeze on your EQ and TU and start apping away.  Those who try to pull anything but EX won't have success. 

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I have a question about this strategy for cards that pull multiple reports, e.g., capital one.  Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX?  If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs.  Hopefully someone can clarify.

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If they attempt to pull all 3 reports you have a choice to give them pemission.  You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost.  But if they need to pull all three reports, I'd think twice about banking with them.  Capital is the only bank that I've heard pull all 3 reports. 

[Walt_K]

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@DI wrote:

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@Walt_K wrote:

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@DI wrote:

The best thing to do is put a freeze on your EQ and TU and start apping away.  Those who try to pull anything but EX won't have success. 

---

I have a question about this strategy for cards that pull multiple reports, e.g., capital one.  Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX?  If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs.  Hopefully someone can clarify.

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If they attempt to pull all 3 reports you have a choice to give them pemission.  You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost.  But if they need to pull all three reports, I'd think twice about banking with them.  Capital is the only bank that I've heard pull all 3 reports. 

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Thanks for clarification.  As a followup, if you deny permission for the other two, is the inquiry on EX stuck?