Reply
Frequent Contributor
Posts: 449
Registered: ‎10-13-2009
0

Need a card that

Which CC out there pulls TU only....as this is my highest score atm. It does't matter if it is a store card or not.

 

Any info is appreciated.

myFico EQ 612 (8/14) 596 (2/14) 574 (12/13) 497(1-7-13
myFico Exp 626 (2-10-14) 602 (11-17-13)
MyFico TU 618 (2-10-14) 589 (11-17-13)
Current Goal 640
Final Goal. 700
Member
Posts: 97
Registered: ‎06-09-2013
0

Re: Need a card that


Cheryla18 wrote:

Which CC out there pulls TU only....as this is my highest score atm. It does't matter if it is a store card or not.

 

Any info is appreciated.


anything Barclay, but it also depends on that state you reside in. Some States primarily pulls Transunion.  GE also pulls Transunion.

Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

Re: Need a card that

Unfortunately, when your scores are sub 600, your approval chances on any of your reports are pretty slim. I would recommend holding off on apps and working on rebuilding your score first. A secured card would also be appropriate for your situation.

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
Community Leader
Senior Contributor
Posts: 26,765
Registered: ‎02-07-2013
0

Re: Need a card that


Cheryla18 wrote:

Which CC out there pulls TU only....as this is my highest score atm. It does't matter if it is a store card or not.

 

Any info is appreciated.


GE cards and Barclay



+ Chase Ink =

Frequent Contributor
Posts: 332
Registered: ‎04-09-2013
0

Re: Need a card that

Barclay only pulled TransUnion for my NFL Extra Points Card = $4500CL

 

My other reports don't even show an inquiry from Barclay.

Frequent Contributor
Posts: 449
Registered: ‎10-13-2009
0

Re: Need a card that


SnackTrader wrote:
Unfortunately, when your scores are sub 600, your approval chances on any of your reports are pretty slim. I would recommend holding off on apps and working on rebuilding your score first. A secured card would also be appropriate for your situation.

I have 1 new Secured CC with a $1,000.00 CL. The LO that I talked to basically said  I need more revolving credit. I'm just not sure what is the best plan of action.

myFico EQ 612 (8/14) 596 (2/14) 574 (12/13) 497(1-7-13
myFico Exp 626 (2-10-14) 602 (11-17-13)
MyFico TU 618 (2-10-14) 589 (11-17-13)
Current Goal 640
Final Goal. 700
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Need a card that

Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

Re: Need a card that

Well, I'm not sure what the best plan of action is either, but from reading a few of your past threads it sounds like you are working on your baddies, which is great.

Your second step is to get a few positive tradelines, which appears to be what you are working on now. The problem is, that won't happen overnight. And you will only hurt yourself more if you try to rush it. A new card probably needs 4-6 months reporting before it will really help you in approvals for unsecured credit.

I would suggest waiting a little longer before applying for anything since denials will only add INQs and lower your score. If you really feel it is necessary, you could get a second secured card to make sure that you have 2 new positive tradelines reporting, but either way you will likely need to wait until the card you have now ages to 6 months before you have a shot at unsecured credit.

Then again, there are always the bloodsucker subprime lenders out there, but I'm not an expert in that category and would have to defer any advice for them.

In all reality, you are probably close to a year or longer away from qualifying for a mortgage with your current scores unless something out of the ordinary occurs.

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.