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So I guess GECRB pulls Experian now

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cd2004
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 May 2022: EQ: 806 TU: 798 EX: 797
Message 11 of 15
09Lexie
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
SisterGirl
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
maiden_girl
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
cd2004
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 May 2022: EQ: 806 TU: 798 EX: 797
Message 15 of 15
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