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Does anyone know which CRA credit comp pull

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Does anyone know which CRA credit comp pull

for getting a credit card? My highest score is with Experian - right now, a 633, but collection co. agreed to  remove coll by Monday and I found one of my spouse's bankruptcy cards on my report (called Bank of America and they have said they would remove it), also HSBC is reporting a 9/2007 late on 5 accounts??? LOL I called them...I only have ONE account with them. Those are also supposed to be deleted soon. I am so glad I monitor my report.
 
Anyway, I am wondering specifically about Bank of America, and USAA...I am paying off 15k in credit cards this weekend (almost 50 percent of what I owe) and expect my score to jump with all the above gone to about 700. I would like to apply for a zero percent card to consolidate the rest of my ccards until my house sells when I can pay it all off. Anyone know who pulls what credit reporting agency for cards?


Message Edited by drteharry on 08-09-2008 05:16 PM
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Re: Does anyone know which CRA credit comp pull



drteharry wrote:
for getting a credit card? My highest score is with Experian - right now, a 633, but collection co. agreed to  remove coll by Monday and I found one of my spouse's bankruptcy cards on my report (called Bank of America and they have said they would remove it), also HSBC is reporting a 9/2007 late on 5 accounts??? LOL I called them...I only have ONE account with them. Those are also supposed to be deleted soon. I am so glad I monitor my report.
 
Anyway, I am wondering specifically about Bank of America, and USAA...I am paying off 15k in credit cards this weekend (almost 50 percent of what I owe) and expect my score to jump with all the above gone to about 700. I would like to apply for a zero percent card to consolidate the rest of my ccards until my house sells when I can pay it all off. Anyone know who pulls what credit reporting agency for cards?


Message Edited by drteharry on 08-09-2008 05:16 PM


Welcome to the FICO Forums, drteharry.
 
BofA pulls EX almost all the time, but may pull TU as well.
 
I don't know about USAA, but you can use the search function to find previous discussions on the cards you are interesting in learning about.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
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