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Contributor
coachmiff
Posts: 93
Registered: ‎01-14-2013

new york state

who only pulls experian and trans union? and is it safe to come out of the garden after no app's for 6 months?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 15k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 4.5k, Wallmart discover 2.5k, Amex bce 2.5k,Boa cash rewards 5k

current scores: TU 732 Equifax 721Exp 721
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012

Re: new york state


coachmiff wrote:

who only pulls experian and trans union? and is it safe to come out of the garden after no app's for 6 months?


No one is going to be a 100% guaranteed pull from EX or TU.  There are always surprises.

 

To answer your second question, we need more info about your credit profile.  How many accounts do you have?  How many were opened 6 months ago?  how many inquiries?  What derogatory remarks do you have on your reports?

Contributor
mirachi
Posts: 131
Registered: ‎01-05-2013

Re: new york state

Unfortunately, most cccs seemed to like pulling my experian report - citi, chase, Amex, Commenity

Barclays & discover pulled transunion.


Last app 2/5/2014

No apps until 3/31/2016!
Contributor
coachmiff
Posts: 93
Registered: ‎01-14-2013

Re: new york state

4 open acoounts which includes car loan

usaa master card 1500--o balance--opened 3/2011

navy visa 7000-o balance-opened 7/2012

military star-o balance-opened 11/2011

cap 1 auto 2800--paid off sept 2013--opened 11/2007

3 baddies 0 balance 2008 co's (ex girlfriend fraud--still fighting to get removed)--have had 7 removed in last 4 months

total debt 2800

income 46k

scores near 700

Navy Siggy Cash Rewards 25K , Navy Flagship visa 15k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 4.5k, Wallmart discover 2.5k, Amex bce 2.5k,Boa cash rewards 5k

current scores: TU 732 Equifax 721Exp 721
Valued Contributor
kevinjjc
Posts: 1,267
Registered: ‎01-14-2009

Re: new york state

[ Edited ]

I'm in New York. In my experience, Chase pulls EX.

 

Barclays is known to always pull TU, they may will also pull other reports on recon.

 

GECRB issued cards like Walmart, JCP, Lowe's, etc. pull TU.

Valued Contributor
jsucool76
Posts: 2,768
Registered: ‎12-11-2011

Re: new york state

+1 to kevin

Barclays and GE almost always pull TU, but there is always a chance they'll pull something else.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

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