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Who Uses Equifax FICO Score For Credit Cards?

Established Contributor

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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Message 11 of 21
Established Contributor

Re: Who Uses Equifax FICO Score For Credit Cards?

All Credit Unions.

Message 12 of 21
Valued Contributor

Re: Who Uses Equifax FICO Score For Credit Cards?


learnin113 wrote:

All Credit Unions.


Many credit unions.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 13 of 21
Moderator

Re: Who Uses Equifax FICO Score For Credit Cards?


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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 14 of 21
Super Contributor

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.

Message 15 of 21
Moderator

Re: Who Uses Equifax FICO Score For Credit Cards?


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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 16 of 21
Frequent Contributor

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 |

Message 17 of 21
New Visitor

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?

Message 18 of 21
Senior Contributor

Re: Who Uses Equifax FICO Score For Credit Cards?

there are members with 845 Fico...you should ask them...I am curious too as my scores get stuck at max 793 EQFico Smiley Sad
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Message 19 of 21
Frequent Contributor

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
Message 20 of 21