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Regular Contributor
Bsong
Posts: 196
Registered: ‎05-11-2013
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EQUIFAX - Who pulls this bureau in California?

Hi All!

 

I was just wondering if you guys know who pulls EQUIFAX in California for credit card approvals?

I see that it was asked before but it was back in 2008.  In the previous post's it stated that Chase, Discover and majority of Credit Unions pull EQ in California. 

 

 

 

 

 

Regular Contributor
omskillet
Posts: 118
Registered: ‎01-04-2012
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Re: EQUIFAX - Who pulls this bureau in California?


Bsong wrote:

Hi All!

 

I was just wondering if you guys know who pulls EQUIFAX in California for credit card approvals?

I see that it was asked before but it was back in 2008.  In the previous post's it stated that Chase, Discover and majority of Credit Unions pull EQ in California. 

 

 

 

 

 


For me in Southern California its been Chase, Citi, Amex using EX and Discover using TU. I haven't had any CC companies use EQ unless it was on recon and they asked to pull another report. 

Moderator
09Lexie
Posts: 25,913
Registered: ‎09-13-2012
0

Re: EQUIFAX - Who pulls this bureau in California?

Welcome to the forum!

You could try whogavemecredit.com. Like you said, CUs (DCU, NFCU, etc) also Mutual Bank of Omaha, Discover pulled TU for me I'm in So Ca, Nordstrom
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
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Re: EQUIFAX - Who pulls this bureau in California?

Discover pulled Equifax for me and my spouse last night here in central CA.

Regular Contributor
Bsong
Posts: 196
Registered: ‎05-11-2013
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Re: EQUIFAX - Who pulls this bureau in California?

Thanks for the quick reply's! Im really itching to apply for another card. Everyone so far has told me to garden for now but since I see that scorewatch is'nt showing any INQ's I could possibly increase my chances of approval without having to worry about the "to many inquiries" response. 

 

THIS FORUM IS TRULY AWESOME! 

Moderator
09Lexie
Posts: 25,913
Registered: ‎09-13-2012
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Re: EQUIFAX - Who pulls this bureau in California?

Regular Contributor
Bsong
Posts: 196
Registered: ‎05-11-2013
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Re: EQUIFAX - Who pulls this bureau in California?

[ Edited ]

09Lexie wrote:
Why were you told to garden?


Well...... :smileyfrustrated:

 

Im new to building credit. My AAoA is only 4months.

Car loan $30k 8 Months old

Capone $500 CL 3 Months old

BoA $5000 CL 1 Month old

 

Age 31 and Earn $75k+ a year. 

 

I had 5 inquiries in the last 6 months with 3 of them being in May. The only report I have that has not been reviewed is my EQ which has a score of 683. 

Since im having the urge to be stubborn and apply for a new CC despite the advice to garden, I wanted to atleast increase my chances if I do apply. 

 

Regular Contributor
Bsong
Posts: 196
Registered: ‎05-11-2013
0

Re: EQUIFAX - Who pulls this bureau in California?


DiabolicallyRandom wrote:

Discover pulled Equifax for me and my spouse last night here in central CA.


Hi, Just wondering what card you applied for? And do you mind sharing a bit of your info? Were you approved? 

Moderator
09Lexie
Posts: 25,913
Registered: ‎09-13-2012
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Re: EQUIFAX - Who pulls this bureau in California?

I can see why you were told to garden. Your cr profile is thin and you really need to wait 6 mos so lenders will see that you can handle your new debt.
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
0

Re: EQUIFAX - Who pulls this bureau in California?

[ Edited ]

We both applied for the discover it.  Our Scores are in the mid to high 700's, AAOA around 4 to 5 years. My spouses inquiries Eq: 2 almost 2 years old TU:0. My inquiries Eq: 2 recent TU 2 almost a year old.

 

 

Edited because I forgot about some Inquiries.


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