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Which CC only pulls EQ CR, PenFed????

Senior Contributor

Which CC only pulls EQ CR, PenFed????

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?

 

Thanks.

 

(Also would be interested in if an CCC's that only pull TU)

Message Edited by txjohn on 03-24-2009 06:03 PM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 1 of 9
8 REPLIES
Valued Contributor

Re: Which CC only pulls EQ CR, PenFed????

There is really no way to know for sure as there is no rule that requires such a thing. There are sites like whogavemecredit who will try to have people share their experiences but there is no guarantee or assurances there. Fact is they can pull from any and they often do. Although say PenFed, since you mentioned it, has been linked to pulling mostly EQ and they did for me but I have heard others say they got pulled on TU, so again no guarantee but you can have a higher expectation.

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 2 of 9
New Contributor

Re: Which CC only pulls EQ CR, PenFed????

Nordstrom for the most part.
Message 3 of 9
Senior Contributor

Re: Which CC only pulls EQ CR, PenFed????

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?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 4 of 9
Valued Contributor

Re: Which CC only pulls EQ CR, PenFed????

Yeah that's the case for many, especially the people on the west, like myself in CA and I am assuming you are in Texas, so EX has got to be killing you too. Smiley Happy

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 5 of 9
Epic Contributor

Re: Which CC only pulls EQ CR, PenFed????

Alliant Credit Union is EQ only

Kroger is EQ

GE usually is EQ except for amazon in TU 

Message 6 of 9
Valued Contributor

Re: Which CC only pulls EQ CR, PenFed????


Creditaddict wrote:

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.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 7 of 9
Regular Contributor

Re: Which CC only pulls EQ CR, PenFed????

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

 

 

Message 8 of 9
Valued Contributor

Re: Which CC only pulls EQ CR, PenFed????

Oh yeah, that reminds me, my OldNavy was on TU.

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 9 of 9