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Established Member
creditchick
Posts: 22
Registered: ‎04-26-2011
0

Where does JcPenney pull from?

[ Edited ]

Hi All,

 

Does anyone know from credit agency JcPenney pulls the reports from? I want to apply but only if they pull from Transunion or Exquifax. I have too many pulls from Experian. I have zero late payments or anything negatively affecting my score. The only thing hurting me is a little bit of a balance and not a lot of credit history (I'm only 20).

3/3 - 670 Transunion
4/26 - 686 Equifax

3/4/12 - 736 Transunion
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: Where does JcPenney pull from?

For me, JCPenney (and all GEMB cards) pull from EQ.

 

JCPenney is a pretty easy approval and they gave me a nice starting CL.  I was rebuilding and they opened at $1200, went to $1800 after four months.  Historically, I think GEMB cards have given CLI's after every fourth statement if you call and ask for one.

 

Hope that's helpful!

Just puttin' syrup on something, don't make it pancakes.
Established Member
creditchick
Posts: 22
Registered: ‎04-26-2011
0

Re: Where does JcPenney pull from?

Ah, well that's reassuring! Maybe I have a shot then. If they pull from EQ they won't be able to see my pulls on Experian, is that correct?

3/3 - 670 Transunion
4/26 - 686 Equifax

3/4/12 - 736 Transunion
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Where does JcPenney pull from?

 


creditchick wrote:

Ah, well that's reassuring! Maybe I have a shot then. If they pull from EQ they won't be able to see my pulls on Experian, is that correct?


They may soft EX but you should still have a good shot. good luck

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
creditchick
Posts: 22
Registered: ‎04-26-2011
0

Re: Where does JcPenney pull from?

Ah, Gotcha! I think I might wait another month or two. I just realized that one of my cards (Bloomingdales) is still reporting a balance of $421 and it's currently paid down to $1?? something, can't remember the exact number.

 

Currently I would have four pulls on Experian (three approved, one denial)  and one pull on Equifax (denial). If I wait till July, I'll have two of the pulls be a year old on Experian and it will give me some time to pay down a little more. :smileyvery-happy: It's tempting to apply but I do NOT want to get another denial!

3/3 - 670 Transunion
4/26 - 686 Equifax

3/4/12 - 736 Transunion
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: Where does JcPenney pull from?

creditchick -

 

Hey - welcome by the way!!!  Glad you're here.

 

And it sounds like you're a smart and savvy creditchick.  Glad to see folks who think things through when looking at an app.

You're a great role model for us all!  (Wish I would have listened to more folks like you when I did my mini-app spree a year and a half ago!)  :smileytongue:

Just puttin' syrup on something, don't make it pancakes.
Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008
0

Re: Where does JcPenney pull from?

JcPenny has pulled TU for me.  Hard when I opened and soft for CLI's.  I'm in AZ if it makes a difference. 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
Take the FICO Fitness Challenge
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Where does JcPenney pull from?

 


kjm79 wrote:

JcPenny has pulled TU for me.  Hard when I opened and soft for CLI's.  I'm in AZ if it makes a difference. 


I believe that where you are does make a difference. FWIW, I'm in Florida, and they pulled TU.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Where does JcPenney pull from?

 


tinuviel wrote:

 


kjm79 wrote:

JcPenny has pulled TU for me.  Hard when I opened and soft for CLI's.  I'm in AZ if it makes a difference. 


I believe that where you are does make a difference. FWIW, I'm in Florida, and they pulled TU.

 


Im in MD, any idea?

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
laurasiew
Posts: 54
Registered: ‎02-14-2011
0

Re: Where does JcPenney pull from?

I app'd yesterday and they pulled TU.  Good luck!

Starting: TU 616 (VS) EQ 598 (FICO) EX 619 (FAKO)
Current: TU 628 (FICO) EQ 649 (FICO) EX 664 (FAKO)
Look out 700 Club, here I come!!!

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