cancel
Showing results for 
Search instead for 
Did you mean: 

how can I tell which bureau does the CC company pull ?

Regular Contributor

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.

Message 1 of 11
10 REPLIES
Super Contributor

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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 11
Mega Contributor

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.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 11
Regular Contributor

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.

Message 4 of 11
Valued Contributor

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+ ?

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 5 of 11
Regular Contributor

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+ ?


 

Message 6 of 11
Super Contributor

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!

Message 7 of 11
Regular Contributor

Re: how can I tell which bureau does the CC company pull ?

BCE. it's actually 13.99%

Message 8 of 11
Moderator Emerita

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%

Message 9 of 11
Regular Contributor

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.

Message 10 of 11