Reply
Frequent Contributor
adamseve
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.
 
Thanks.
Regular Contributor
Kris1228
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
WiseYoungMan21
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
codeman5022
Posts: 126
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
Changingmantra
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
FretlessMayhem
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
greyeyes33
Posts: 2
Registered: ‎06-03-2014

Re: JCP Card

Equifax For Me Also

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


Regular Contributor
heyarrnold
Posts: 185
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. 

--21 year old, UCSB graduate, with a CC obsession lol
--It all began three years ago ")
Amex BCPCiti PrestigeArrival PlusCSPInk Plus
Regular Contributor
elim
Posts: 155
Registered: ‎04-27-2014

Re: JCP Card

Both my GE cards were recent TU pulls. in OH

.....
myFICO 6-9-14 | TU 662 | EQ 649 | EX 638
*note to self... DON'T APP!
Valued Contributor
kevinjjc
Posts: 1,299
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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+