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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Other than GE and Barclays - Prime's pulling TU?

Other GE backed cards and Barclays, are there any other good prime cc lenders that most often pull TU? (Im in Louisiana).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 1,048
Registered: ‎02-27-2012
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Re: Other than GE and Barclays - Prime's pulling TU?

Discover mostly pulls TU

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: Other than GE and Barclays - Prime's pulling TU?

Amex based my approval on Tu, but they pulled all three...

I was told by someone on this forum that I was 'borderline approved'...

 

 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Other than GE and Barclays - Prime's pulling TU?

I had the same with my delta card


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator Emeritus
Posts: 15,090
Registered: ‎12-30-2011
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Re: Other than GE and Barclays - Prime's pulling TU?

Discover pulls a lot of EQ too; EX is the one historically they don't seem to use much.

 

Duncan: I think CU's are likely going to be the best chance in this case; most "prime" lenders are national lenders who tend to pull all three as a result.  BOFA I know does CLI's pretty consistently on TU (and I've lived in Cali for nearly 8 years now, no chance they'lre pulling on my old TX address these days) but that may not help for establishing an account.  I have to really go out of my way to get anything to land on TU, and I suspect you may be similar with EQ?

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 717, TU 8 732, EX 8 740 (11/01/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Other than GE and Barclays - Prime's pulling TU?

If I sneeze it lands on EQ.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,517
Registered: ‎09-14-2012
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Re: Other than GE and Barclays - Prime's pulling TU?


Duncanrr wrote:
If I sneeze it lands on EQ.

CA is either EX or EQ.  Only TU pulls I have ever had are GE and for my mortgage.

Never take credit personally

NFCU cashRewards $25,000; BofA Business Cash Rewards $20,000; Amex Business Platinum; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $18,600; Citi DC $25,000; Capital One Venture $15,000; Penfed Platinum Sig $5,000; Barclay Arrival Plus WEMC $15,000; Barclays Hawaiian Air Biz $20,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $20,000

Moderator Emeritus
Posts: 15,090
Registered: ‎12-30-2011
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Re: Other than GE and Barclays - Prime's pulling TU?


Duncanrr wrote:
If I sneeze it lands on EQ.

Hah, that's exactly my relationship with EX.  Going to steal your phrase on that in the future Smiley Happy.

 

SC: only EQ pulls I get are USAA and specific CU's that I chose... and namely those and other EQ-only lenders are the only ones who pull EQ for me with the possible exception of Discover since I don't think they pull EX much at all.

 

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 717, TU 8 732, EX 8 740 (11/01/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Other than GE and Barclays - Prime's pulling TU?


Revelate wrote:

Duncanrr wrote:
If I sneeze it lands on EQ.

Hah, that's exactly my relationship with EX.  Going to steal your phrase on that in the future Smiley Happy.

 

SC: only EQ pulls I get are USAA and specific CU's that I chose... and namely those and other EQ-only lenders are the only ones who pull EQ for me with the possible exception of Discover since I don't think they pull EX much at all.

 

 


Your more than welcome to use it. 

 

It seems that the banks sat together and geographically cutup the country so that while they use all 3 CR's nationally you are more likely to the same CR's pulled in certain parts of the nation and thereby have most of your inquiries on the same CR.  I have 4 EX, 7 EQ and 4 TU.  I'll probably save my EX for AMEX products (want to get two more after refi - SPG or BCP and a higher tier charge card) so that leaves me with some room on TU for a couple pulls.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
0

Re: Other than GE and Barclays - Prime's pulling TU?

In my experience, Chase and Discover will pull any report you ask them to. M&T Bank also uses Transunion all the time.

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