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Valued Contributor
Duncanrr
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
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
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Re: Other than GE and Barclays - Prime's pulling TU?

Discover mostly pulls TU

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Senior Contributor
youngandcreditwrthy
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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
Duncanrr
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
Revelate
Posts: 9,732
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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
Duncanrr
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

Take the FICO Fitness Challenge
Valued Contributor
sccredit
Posts: 1,116
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

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Moderator
Revelate
Posts: 9,732
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 :smileyhappy:.

 

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
Duncanrr
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 :smileyhappy:.

 

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

Take the FICO Fitness Challenge
Valued Contributor
navigatethis12
Posts: 1,954
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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