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Established Contributor
dharalex
Posts: 607
Registered: ‎09-08-2011
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Re: Who Uses Equifax FICO Score For Credit Cards?

Citi, Nordstrom, USAA, PenFed, many CU...



Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Current Score: 800
Goal Score: 850

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Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011
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Re: Who Uses Equifax FICO Score For Credit Cards?

All Credit Unions.

Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Who Uses Equifax FICO Score For Credit Cards?


learnin113 wrote:

All Credit Unions.


Many credit unions.  

Moderator
Revelate
Posts: 9,485
Registered: ‎12-30-2011
0

Re: Who Uses Equifax FICO Score For Credit Cards?

[ Edited ]

Open123 wrote:

In California, for me I've seen Chase, US Bank, Discover, and GE all pull Equifax exclusively.


If you don't mind my asking Open, where do you live roughly (county or whatever)? I'm just trying to get an idea on area as from research it seems as though Chase pulls EQ up in the Bay Area but not so much down where I'm at in LA.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
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Re: Who Uses Equifax FICO Score For Credit Cards?

I'm in Northern CA.

 

Here, I've noticed BofA, Citi, AmEx (of course), Macy's, Dept Stores all pull Experian.  

 

While Chase, Discover, GE, US Bank, ATT, Sprint, and everyone else pulls Equifax.

 

I've NEVER seen my TU pulled.  I can't even get an inquiry on TU if I tried, unless I apped for Barclays or CapOne, I guess.

Moderator
Revelate
Posts: 9,485
Registered: ‎12-30-2011
0

Re: Who Uses Equifax FICO Score For Credit Cards?

[ Edited ]

Open123 wrote:

I'm in Northern CA.

 

Here, I've noticed BofA, Citi, AmEx (of course), Macy's, Dept Stores all pull Experian.  

 

While Chase, Discover, GE, US Bank, ATT, Sprint, and everyone else pulls Equifax.

 

I've NEVER seen my TU pulled.  I can't even get an inquiry on TU if I tried, unless I apped for Barclays or CapOne, I guess.


Yeah, TU was the old mid-west CRA, and over time I suspect it had the least resolution when looking at nationwide metrics (before many things reported to all three CRA's) as there were a lot more people living in either the East or West coast areas.  I would've guessed that either Chicago or Texas area lending institutions and the like would pull TU, but the one CU I know in Texas pulls EQ exclusively so beats me.  The one GE-backed anything pulled TU for me, but that's it besides various tri-pulls.

 

I think BOFA mostly pulls Experian nation-wide, I know they do with mine in LA and the same when I lived in Texas.  I didn't know that on Citi but I sort of expected it.

 

Thanks for the info!

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Frequent Contributor
nwokcguy
Posts: 351
Registered: ‎01-07-2012
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Re: Who Uses Equifax FICO Score For Credit Cards?

I have one GE pull and a pull from lender on TU the rest of my pulls are on EQ.  The only EX pull I have is from my lender.


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |

New Visitor
mybeloved13
Posts: 1
Registered: ‎04-02-2013
0

Re: Who Uses Equifax FICO Score For Credit Cards?

Hi, I'm curious as to how you got your credit scores so high. I am a consumer consultant. I would like to help my clients do the same with their credit. Can you help?

Valued Contributor
lg8302ch
Posts: 2,789
Registered: ‎11-13-2012
0

Re: Who Uses Equifax FICO Score For Credit Cards?

[ Edited ]
there are members with 845 Fico...you should ask them...I am curious too as my scores get stuck at max 793 EQFico :smileysad:
FICO® EQ 788 (as of today) - TU 767 (09/28) * Fako EX 789 (09/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Frequent Contributor
2011beginnings
Posts: 296
Registered: ‎02-01-2013
0

Re: Who Uses Equifax FICO Score For Credit Cards?

Discover does
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735

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