03-24-2009 05:21 PM - edited 03-24-2009 06:03 PM
Which Credit Card apps ONLY pull EQ or TU (hope to avoid EX)? I have heard that PenFed and certain Credit Unions pull exclusively EQ. Can I get some verification from people who have applied and been approved that were only pulled on EQ?
(Also would be interested in if an CCC's that only pull TU)
03-24-2009 05:29 PM
03-24-2009 05:44 PM
EQ and TU are my strongest CR's, so either of those are fine. For some reason, my oldest account only reports to those two (over 20 years) and not EX. Consequently, my AAoA and oldest account is double what my EX has, so I am interested in Credit Union's who have a great CC and generous credit for the credit worthy.
I haven't apped for quite some time and want to make this round count.
So, updating my question: Which CU's such as PenFed ONLY pul or usually only pull EQ or TU?
03-24-2009 05:58 PM
03-24-2009 06:51 PM
Alliant Credit Union is EQ only
Kroger is EQ
GE usually is EQ except for amazon in TU
GE just pulled on TU for me for LensCrafters but EQ for CareCredit and EX for PP Buyer Credit. So I don't think GE is that predictable.
03-24-2009 06:53 PM
Most if not all GE Money Products (i.e. WalMart, Sams Club, Old Navy, Banana Republic, Brooks Brothers)
Delta Credit Union
DCU (for the most part)
Justice Federal CU
American Airlines Credit Union
Nordstrom (will only pull TU in addition to EQ if your app info does not match EQ records)
RBS (for the most part)
Liberty Bank & Trust
03-24-2009 06:56 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.