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Which card companys use Equifax?

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JoshNurse
Frequent Contributor

Which card companys use Equifax?

My Equifax just bumped up to 768 so I am wondering which card companys use Equifax?

Message 1 of 15
14 REPLIES 14
mongstradamus
Super Contributor

Re: Which card companys use Equifax?


@JoshNurse wrote:

My Equifax just bumped up to 768 so I am wondering which card companys use Equifax?


From my limited experience seems like discover and credit unions are only ones that us eq solely on application . some of the more experienced people on here can also chime in



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 15
CreditArrival
New Member

Re: Which card companys use Equifax?

Chase sometimes pulls EQ .. sometimes when you recon you can ask that they pull EQ.

Message 3 of 15
TheGardner
Valued Contributor

Re: Which card companys use Equifax?

Freeze EX and TU then "most" will pull EQ
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 4 of 15
09Lexie
Moderator Emerita

Re: Which card companys use Equifax?


@TheGardner wrote:
Freeze EX and TU then "most" will pull EQ

Unfortunately, lenders may not complete the app until you unlock your CR's.  On the case of a double pull, the OP will have an inq on EQ and due to the condition of EX/TU CR's his app would be declined.

 

Also, I'm sure you are aware that myFICO does not advocate the freezing of your CR's so that lenders are forced to pull a more favorable bureau. 

Message 5 of 15
CreditPlay
Frequent Contributor

Re: Which card companys use Equifax?

Target and discover are the ones who pulled EQ for me.


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 6 of 15
JoshNurse
Frequent Contributor

Re: Which card companys use Equifax?

I paid myfico for all three and all of my scores are now over 765+ so this thread was just to know what cards pull equifax.

Thanks
Message 7 of 15
takeshi74
Senior Contributor

Re: Which card companys use Equifax?

It's a bit much to expect everyone to list out every possibility and the CRA used can also depend on one's location.  I suggest Googling and looking at the credit pulls database.

Message 8 of 15
lonelyisland
Frequent Contributor

Re: Which card companys use Equifax?

Try googling credit pull database, and use the form there. While its also not 100% (similarly to general advice from people spread around the country) it also takes into account your state, and might give you a better overall picture. 

 

Edit: Sorry Takeshi, I was typing when you posted.

Message 9 of 15
juggalo9er
Valued Contributor

Re: Which card companys use Equifax?

forum credit union.....not sure if you have to be a member your rate with that score would be 5.24% variable

Message 10 of 15
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