05-05-2011 04:16 PM
I recently applied for the Amex blue cash and got denied because they checked my experian report. I checked it and see that for some reason my experian shows that I have 0 accounts and only student loans. It doesnt show my other credit cards or auto loan. I currently have an investigation going on with them so hopefully that will be fixed soon. I have a great credit score of 750 and was looking for a good credit card with good cash rewards that does not check experian. I was looking at Amex and Chase Freedom but they both check experian. Any other recommendations?
05-05-2011 04:33 PM
There's no real guarantee on which CRA a bank will pull.
It also varies by location of where you live.
I know in California, the majority of the banks pull Experian, with the exception of Discover who pulls EQ and Barclays who pulls TU.
05-05-2011 05:10 PM
Go to google and type in "Credit Pull Database"
Click on the first link that you see.
You can choose your state, the name of the creditor, make sure to not select a CRA, and see which CRA those companies pull in your state.
05-05-2011 05:15 PM
I live in AZ and BofA pulled TU today for a new card application. Last fall I had 3 hard pulls from BofA (CC, auto loan, mortgage) and all were pulled from EX. I guess you can't figure it out completely.
I do mostly see on these posts that Discover pulls TU.
05-05-2011 05:34 PM
Well it is being processed which I assume it means it wasn't instantly denied which I also assume they didn't check experian. I hope they do check equifax. How long does this process usually take?
05-05-2011 05:52 PM
I don't know. I called the backdoor number listed in the stickied post at the top of the forum and was given a decision over the phone after being asked some questions.
05-05-2011 06:00 PM
I am located in Florida. The issue here is I don't want another hard pull on my record if they check experian because I know I will be instantly denied.
I'm in Florida, too, and most of my pulls have been EQ or TU. No guarantees, though.
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