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Regular Contributor
Posts: 147
Registered: ‎07-19-2010
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Re: So I guess GECRB pulls Experian now

 Experian®Equifax®TransUnion®
 
Business NameGECRB  
Inquiry Date12/15/2012  
Business TypeSales Financing Company
Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
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Posts: 27,206
Registered: ‎09-13-2012
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Re: So I guess GECRB pulls Experian now


SisterGirl wrote:

I could be wrong, but I think it's according to the Ashley account that you have with GE Capital vs GE Credit Bank (the same, yet different). The reason I mention this is I was approved for a PC Richard account last night & my account was registered online at www.gogecapital.com - I can see other consumer cards they carry listed there, but I hadn't checked my Experian yet....nor has CreditKarma alerted me  !

 

SisterGirl


Looks like THERE is a difference...namely this website does not list any retail/store cards I.e. Walmart, Penneys . Ashley furniture is listed here like the OP mentioned.  There definitely appears to be two different divisions that pull different CRA's.  :smileyfrustrated:

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Posts: 291
Registered: ‎11-17-2012
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Re: So I guess GECRB pulls Experian now


09Lexie wrote:

SisterGirl wrote:

I could be wrong, but I think it's according to the Ashley account that you have with GE Capital vs GE Credit Bank (the same, yet different). The reason I mention this is I was approved for a PC Richard account last night & my account was registered online at www.gogecapital.com - I can see other consumer cards they carry listed there, but I hadn't checked my Experian yet....nor has CreditKarma alerted me  !

 

SisterGirl


Looks like THERE is a difference...namely this website does not list any retail/store cards I.e. Walmart, Penneys . Ashley furniture is listed here like the OP mentioned.  There definitely appears to be two different divisions that pull different CRA's.  :smileyfrustrated:


Exactly ! I was surprised to learn of it a few weeks ago, but I'm happy that I could share it for others to know there *is* a difference. But years ago, they used to have a visa/mastercard division & don't think it's still around.

SisterGirl

SisterGirl
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: So I guess GECRB pulls Experian now

None of GEs furniture store cards are soft pulls. I learned my lesson when I requested an increase on my Living Spaces card to 8,500. I didn't even need the additional credit. I just asked b/c I could and they pulled TU report. I haven't even bothered to request a limit increase on Ashley b/c I simply don't need it.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 147
Registered: ‎07-19-2010
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Re: So I guess GECRB pulls Experian now


maiden_girl wrote:

None of GEs furniture store cards are soft pulls. I learned my lesson when I requested an increase on my Living Spaces card to 8,500. I didn't even need the additional credit. I just asked b/c I could and they pulled TU report. I haven't even bothered to request a limit increase on Ashley b/c I simply don't need it.


thanks for letting me know. I just learned the hard way too. I thought it was like the other store cards. I just requested an increase for my American Signature card and it was a soft pull through Comenity aka WFNNB.

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
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