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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.