I wanted to find out if there is a way to find ut what credit bureaus different companies use for approvals. I have a target card for over a year now and it started with $200.00 and has stayed there. My Sam's club card was reduced down to 100.00 for no apparent reason. I started 4 years ago with 300.00 and now I am down to 100.00 even though I paid it in full everymonth. I can't figure it out. I also have Cap. 1 500 CL; ORCHARD 1000; HSBC 800 and WAMU 3500.00. I live in Florida and wondering if I could use these backdoor numbers and would they possible increase my CLs. Interested in any information you can give me. Thanks.
edit: this post was split off from an unrelated thread, "Currently 1428% Util due to charge-offs $700 total credit limit reporting", to form its own post. The only editing done was to change the thread title and add this comment.Message Edited by haulingthescoreup on 04-05-2009 09:18 AM
Often which report is pulled depends on which state you live in. Here in NV. Citibank and US Bank EX for me, Discover pulled EQ, but I believe they usually pull TU. Juniper/Barclays almost always pulls TU regardless of the state.
I agree with you that you should work first on paying off your credit cards, then apply for something new to help you move from the subprime cards you've used to help you rebuild.
Good luck and Congrats on getting your son through college!