myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

my EQ is too clean.. What cards absolutely pull EQ?

tag
Get Access Now
Christina_xyt
Established Contributor
‎12-19-2014 08:30 AM
‎12-19-2014 08:30 AM

my EQ is too clean.. What cards absolutely pull EQ?

Obtained a free copy from annual credit report.. Only one inquiry from discover and its older than 12 months..... When my ex has 6 and tu has 8..

Wondering what cards only pull EQ?? I am in the north east area..

In sequence of approval, Last app/inquiry 5/30/2015
Message 1 of 23
22 REPLIES 22
chalupaman
Super Contributor
‎12-19-2014 08:32 AM
‎12-19-2014 08:32 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

I know Penfed usually pulls EQ though they are pretty conservative with their UW.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 23
0 Kudos
Ghoshida
Valued Contributor
‎12-19-2014 08:33 AM
‎12-19-2014 08:33 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

@Christina_xyt wrote:
Obtained a free copy from annual credit report.. Only one inquiry from discover and its older than 12 months..... When my ex has 6 and tu has 8..

Wondering what cards only pull EQ?? I am in the north east area..

Even if there are cards that pull EQ alongwith other CRAs, @Anonymous here is an expert on making sure they pull EQ only for you Smiley Very Happy

Message 3 of 23
baller4life
Super Contributor
‎12-19-2014 08:34 AM
‎12-19-2014 08:34 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

Clean EQ?? PENFED!!!!!! Smiley Wink Smiley Happy
Message 4 of 23
0 Kudos
patrick00032001
Regular Contributor
‎12-19-2014 08:34 AM
‎12-19-2014 08:34 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

DCU, GTE Financial CU, Cabellas, Citi, Coastal FCU, GM Buy Power Card, GM Extended Family Card, BB&T credit card, Huntington National Bank, USAA, to name a few.

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

Message 5 of 23
IamB2
Established Contributor
‎12-19-2014 08:37 AM
‎12-19-2014 08:37 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

@Christina_xyt wrote:
Obtained a free copy from annual credit report.. Only one inquiry from discover and its older than 12 months..... When my ex has 6 and tu has 8..

Wondering what cards only pull EQ?? I am in the north east area..

In my experience, Discover pulled EQ exclusively both times when they denied me. Hope that helps

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 6 of 23
0 Kudos
Christina_xyt
Established Contributor
‎12-19-2014 08:53 AM
‎12-19-2014 08:53 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

@popamod

What does UW mean?

In sequence of approval, Last app/inquiry 5/30/2015
Message 7 of 23
0 Kudos
Christina_xyt
Established Contributor
‎12-19-2014 08:55 AM
‎12-19-2014 08:55 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

So I heard opening a DCU checking will get free EQ fico right? But they will hard pull me?

In sequence of approval, Last app/inquiry 5/30/2015
Message 8 of 23
0 Kudos
chalupaman
Super Contributor
‎12-19-2014 09:00 AM
‎12-19-2014 09:00 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

@Christina_xyt wrote:
So I heard opening a DCU checking will get free EQ fico right? But they will hard pull me?

Yes that will be a HP. All you need is the checking account to see your FICO. I like how with Penfed they will continue to use the same HP for their other products for a while.

And UW = underwriting.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 23
baller4life
Super Contributor
‎12-19-2014 09:04 AM
‎12-19-2014 09:04 AM

Re: my EQ is too clean.. What cards absolutely pull EQ?

Penfed is like the Holy Grail of CUs. I would definitely picked them over DCU. But that's just me.
Message 10 of 23
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.