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Who pulls Equifax ONLY?

Regular Contributor

Who pulls Equifax ONLY?

Been working on DH credit for just under two months - his EQ score is now higher than mine!  I'd like to take advantage of his 736 EQ score (ZERO baddies!). 

 

Anyone out there know which CCs pull EQ only so that I have the best chances of approvals?  He's specifically interested in a major (MC or Visa) CC as we have gas cards, and low limit credit cards. 

 

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800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641 (down due to app & new acct)
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

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800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Message 1 of 8
7 REPLIES
Contributor

Re: Who pulls Equifax ONLY?

From personal exp,Nordstrom. From what I've read here Cabelas,Alliant CU,and RBS Kroger Mastercard. All of those (again from what i've read) seem to give some really decent CL's. Good luckSmiley Wink
737 Your FICO® score of 737
is better than 55%
of US Consumers.
Factors affecting your score
Message 2 of 8
Regular Contributor

Re: Who pulls Equifax ONLY?

DH just applied w/Cabela's and got the 7-10 message!  Smiley Sad  Should he recon a backdoor number?  736 EQ, no baddies at all, AAoA 6 years, newest acct (AU) is 3 mo. old...

 

Will update post once the letter arrives...don't know if I should chance another inquiry (or pay to join) w/Alliant or Walmart if not approved.

 

 

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800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Message 3 of 8
Established Contributor

Re: Who pulls Equifax ONLY?

CU and GEMB are big on pulling EQ.
Message 4 of 8
Valued Contributor

Re: Who pulls Equifax ONLY?

It's hard to say, because you can get cards based on EQ only, for instance, but they might pull ARs on your other CRs and shut you down anyway if they don't like what they see on there.

A lot of credit unions are EQ only.
Message 5 of 8
Regular Contributor

Re: Who pulls Equifax ONLY?

He just received the 7-10 message from GEMB (Discount Tire)...we're so bummed!

 

***********************************************************************
800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Message 6 of 8
Regular Contributor

Re: Who pulls Equifax ONLY?

He just app'd for the Target Visa - got the Target redcard ($200 CL)...should he recon the backdoor #?

 

***********************************************************************
800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Message 7 of 8
Regular Contributor

Re: Who pulls Equifax ONLY?

And to conclude this little app spree, he app'd with Chevron (who approved me in March with around a 700 EQ score), and received the 7-10 message...we're totally bummed out!  Again, any suggestions on reconning the backdoor numbers?   Anyone had any recon success with any of these lenders?

 

***********************************************************************
800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Message 8 of 8