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What credit card approves with Equifax but reports to all 3 bureaus?

Established Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


beamMEup wrote:

Both my local CU's have pulled Experian exclusively. 

 

I recommend Alliant CU (available nationwide) - they pull EQ.

And I still like Cabela's - which pulls EQ.

All my GEMB merchant cards pull EQ, but I'm not a super fan of merchant cards unless they serve a useful purpose i.e. you shop there a lot and they give discounts or some such.


Interesting.  Cabelas pulled EX for me.  They pulled EX when I first opened it.  Then, a few months ago, there was a fraud alert and they said they were going to close that account and open a new one. So, they closed the account, and then they pulled EX again and denied me the new account Smiley Mad  I think they just made up the fraud issue (it was for a $2 cup of coffee somewhere) to give them an excuse to close my account. 

 

Also, GEMB pulled TU for me when I applied for a Lowe's CC.  I think they pulled EQ when I got my Wal Mart CC, though.

 

Ultimately, I don't think there is any rhyme or reason to who pulls what when.  Local credit unions appear pretty easy to pattern, but geographic location seems to determine what they pull.

Message 11 of 25
Moderator Emeritus

Re: What credit card approves with Equifax but reports to all 3 bureaus?

I guess that narrows my list down to Alliant.  Smiley Indifferent

 

So, OP is in Indiana.  Anyone from that area that knows who pulls EQ???

Just puttin' syrup on something, don't make it pancakes.
Message 12 of 25
Member

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Thanks guys. I eneded up getting an Orchard card while in Alabama so they only pulled my EQ. they gave me a small balance of $300 but 6 months later, my Trans Union is up and at 705. Now I think i can go on to a bigger (and BETTER) card.

Message 13 of 25
Moderator Emeritus

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Congrats gabrielle!

Just puttin' syrup on something, don't make it pancakes.
Message 14 of 25
Super Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.




Message 15 of 25
Valued Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


CS800 wrote:

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.



This is 100% not true.

Good Luck
May all your dreams and wishes become a reality!
Message 16 of 25
Super Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


JM-AM wrote:

CS800 wrote:

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.



This is 100% not true.


Which part of the red sentence is not true?




Message 17 of 25
Frequent Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


CS800 wrote:

JM-AM wrote:

CS800 wrote:

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.



This is 100% not true.


Which part of the red sentence is not true?


They don't exclusively pull EQ.

-----------------------
My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 18 of 25
Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


 


jthedges wrote:

CS800 wrote:

JM-AM wrote:

CS800 wrote:

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.



This is 100% not true.


Which part of the red sentence is not true?


They don't exclusively pull EQ.


Discover pulls EQ and Trans..This happened lastnight.

 

Recent EQ Inquiries

 

Equifax - Inquiry

Inquiries are made when creditors request a copy of your credit report. If you did not authorize this inquiry, contact the creditor as this may be a sign of fraud.

Company Contact Information:DISCOVER FINANCIAL SERVICES
2500 Lake Cook Rd, 
Riverwoods,  IL 600153851 

TransUnion - Inquiry

Inquiries are made when creditors request a copy of your credit report. If you did not authorize this inquiry, contact the creditor as this may be a sign of fraud.

Company Contact Information:DISCOVER FIN
2500 LAKE COOK RD,, 
RIVERWOODS,  IL 60015 




Message 19 of 25
Valued Contributor

Re: What credit card approves with Equifax but reports to all 3 bureaus?


CS800 wrote:

JM-AM wrote:

CS800 wrote:

Two of the CU here that I'm a member of pull exclusively EX

 

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.



This is 100% not true.


Which part of the red sentence is not true?


Discover does not pull exclusively from any of the bureau's. They have been known to pull bureau's more by region, but this theory is also not full proof.

Good Luck
May all your dreams and wishes become a reality!
Message 20 of 25