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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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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
Posts: 470
Registered: ‎08-14-2012
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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
Posts: 15,453
Registered: ‎04-09-2011
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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.

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: What CCC pulls Experian ONLY

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

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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?

 

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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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%

Established Contributor
Posts: 615
Registered: ‎09-10-2012
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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 | Amex BizGold | Discover IT | Amex BCE | Citi DCB | Chase Ink | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | US Bank Business Edge | Chase Freedom | Walmart | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 760/780/780 - Total CL 200+K

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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.

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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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
Posts: 120
Registered: ‎06-10-2012
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Re: What CCC pulls Experian ONLY

Discover pulls EX in NM
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


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