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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

What CCC pulls Experian ONLY

Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance

Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: What CCC pulls Experian ONLY


Credit314 wrote:

Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance


typically AMEX pulls EX 99% of the time.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Mega Contributor
LS2982
Posts: 14,418
Registered: ‎04-09-2011

Re: What CCC pulls Experian ONLY


jd5189 wrote:

Credit314 wrote:

Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance


typically AMEX pulls EX 99% of the time.


This is true for charge cards, but they are known for pulling others if your file is borderline.

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: What CCC pulls Experian ONLY

She just informed me that her experian is 700 (FAKO)

Mega Contributor
LS2982
Posts: 14,418
Registered: ‎04-09-2011

Re: What CCC pulls Experian ONLY


Credit314 wrote:

She just informed me that her experian is 700 (FAKO)


Can she share with us what her EX file looks like??

 

-Current Accounts

-AAoA

-INQ's

-Any Baddies?

 

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: What CCC pulls Experian ONLY

Current Accounts

-AAoA: 4 yrs

-INQ's: 0

-Any Baddies?: 1 repo $17,000 which falls off 02/2013

Uli: 5%

Frequent Contributor
shakalaka
Posts: 437
Registered: ‎09-10-2012

Re: What CCC pulls Experian ONLY

[ Edited ]

They pulled all three for me. But my history is only 6 months old. So I guess I was borderline, which makes me even happier to have NPSL.


Amex Platinum (NPSL) | Amex BCE (12,000) | Discover IT (8,000) | Chase Freedom (4,000) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 694 (5/18) EX 714 (1/26)

Mega Contributor
LS2982
Posts: 14,418
Registered: ‎04-09-2011

Re: What CCC pulls Experian ONLY


Credit314 wrote:

Current Accounts

-AAoA: 4 yrs

-INQ's: 0

-Any Baddies?: 1 repo $17,000 which falls off 02/2013

Uli: 5%


What current credit card accounts does she have??

 

The repo is old but still will have a negative affect.

 

What card(s) is she interested in?? If your looking for strictly EX, an AMEX charge card my be the way to go.

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: What CCC pulls Experian ONLY

2 Cap 1 cards. She said EX is her highest score which has only that one baddies and no inqs. The other 2 are worse.

Regular Contributor
Dishpro
Posts: 115
Registered: ‎06-10-2012

Re: What CCC pulls Experian ONLY

Discover pulls EX in NM
 

Starting Score:
585
Current Score: FICO TU 733 FICO EQ 724 EX PLUS 744
Goal Score: 850


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