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Regular Contributor
GTT
Posts: 208
Registered: ‎02-05-2012
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how can I tell which bureau does the CC company pull ?

If on the letter, it mentions that i can get a credit report from EX, does that mean it(AMEX) pulled the report from EX ONLY?

BTW, on the amex letter, it also gives a credit score,which is really nice.

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myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: how can I tell which bureau does the CC company pull ?


GTT wrote:

If on the letter, it mentions that i can get a credit report from EX, does that mean it(AMEX) pulled the report from EX ONLY?

BTW, on the amex letter, it also gives a credit score,which is really nice.


It maens they pulled EX

But no it does not mean they didn't pull others CB's 

You would have to check your CR's to know that 

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coldnmn
Posts: 13,933
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Re: how can I tell which bureau does the CC company pull ?

It means they pulled experian and you didn't get the best rate so your entitled to a free credit report from experian.

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Regular Contributor
GTT
Posts: 208
Registered: ‎02-05-2012
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Re: how can I tell which bureau does the CC company pull ?

the apr is 13.x% I believe.

The score on the report is 762 and I would believe it's a good score?

I'm waiting for my TU score on Discover IT statement.

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notfancy
Posts: 3,679
Registered: ‎11-23-2013
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Re: how can I tell which bureau does the CC company pull ?

Woah. What do you need for the best rate then? I'm guessing 780+ ?

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Regular Contributor
GTT
Posts: 208
Registered: ‎02-05-2012
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Re: how can I tell which bureau does the CC company pull ?

that's really something I don't know. probably it requires a certain length of history or my scores with other bureaus are not good enough


notfancy wrote:

Woah. What do you need for the best rate then? I'm guessing 780+ ?


 

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longtimelurker
Posts: 7,215
Registered: ‎04-22-2013
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Re: how can I tell which bureau does the CC company pull ?

Which Amexx card?  13.xx is pretty low for many of their cards, BCP/BCE seem to go down to 12.99, so the difference isn't great!

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Regular Contributor
GTT
Posts: 208
Registered: ‎02-05-2012
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Re: how can I tell which bureau does the CC company pull ?

BCE. it's actually 13.99%

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09Lexie
Posts: 25,880
Registered: ‎09-13-2012
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Re: how can I tell which bureau does the CC company pull ?


GTT wrote:

BCE. it's actually 13.99%


That's why you received your score.  DH received the BCP, no score and his APR is 12.99%

Regular Contributor
GTT
Posts: 208
Registered: ‎02-05-2012
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Re: how can I tell which bureau does the CC company pull ?

Yes, I understand I can get a report due to high apr. 

But Chase didn't offer me the score but only the report although its apr is also high.


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