Frequent Contributor
Posts: 453
Registered: ‎05-14-2008

JCP Card

Can anyone tell me what reporting agency JCP uses?  I'm considering applying for the card, but want to make sure the high score from TU is pulled.
Regular Contributor
Posts: 216
Registered: ‎01-26-2008

Re: JCP Card

Im pretty sure JCP is GEMB and they pull Equifax... I have a walmart card who is also issued through GEMB and 100% sure it was Equifax. Im in OH
FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone
Valued Member
Posts: 35
Registered: ‎02-11-2008

Re: JCP Card

As far as what I read, GEMB pretty much always pull equifax, but I have heard of a few occasions when they pulled Transunion, so theres a possiblity that you could get lucky.
Fico 2-11 Ex:605 EQ: 596 Tu: 622
Fico 3-11 Ex:735 EQ: 605 Tu:633 Fico 5-11 Ex:733 EQ: 628 Tu:667
11-19-08 Eq 656
Regular Contributor
Posts: 127
Registered: ‎05-16-2008

Re: JCP Card

I recently applied for a handful of GEMB cards, they pulled TU for each one for me. I'm in Indiana
Established Contributor
Posts: 676
Registered: ‎01-24-2008

Re: JCP Card

JCP = GEMB They pulled TU for every card I have for them.  I am in NY.
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007

Re: JCP Card

I believe this is a GEMB card, and they seem to be pretty staunch TU pullers, at least for me in VA.

However, as previous posters have stated, they are also known to pull EQ frequently.
Here we go again...
New Member
Posts: 2
Registered: ‎06-03-2014

Re: JCP Card

Equifax For Me Also

Starting Score: 626
Current Score: 643
Goal Score:740

Valued Contributor
Posts: 1,318
Registered: ‎03-10-2014

Re: JCP Card

[ Edited ]

Google credit pulls database


Try this site. Enter credit card or creditor name, plus the state that you reside in. 

Age: 22 | AAoA: 4.5 yrs | FICO Scores: 780-810 | Inq: EX: 3, EQ: 3, TR: 3 | GARDENING AS OF 04/03/2015
Valued Contributor
Posts: 1,941
Registered: ‎04-27-2014

Re: JCP Card

Both my GE cards were recent TU pulls. in OH

Valued Contributor
Posts: 1,414
Registered: ‎01-14-2009

Re: JCP Card

The JCPenney credit card is issued by Synchrony Bank (formerly GE Capital Retail Bank). They almost always pull TU.

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