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So I guess GECRB pulls Experian now

Regular Contributor

Re: So I guess GECRB pulls Experian now

 Experian®Equifax®TransUnion®
 
Business NameGECRB  
Inquiry Date12/15/2012  
Business TypeSales Financing Company
Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 11 of 15
Moderator Emerita

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.  Smiley Frustrated

Message 12 of 15
Established Contributor

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.  Smiley Frustrated


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
Message 13 of 15
Valued Contributor

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.

As of 2017, rebuilding...
Message 14 of 15
Highlighted
Regular Contributor

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.

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 15 of 15