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