Reply
Contributor
Posts: 95
Registered: ‎01-14-2013
0

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 17k 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 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

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?

Regular Contributor
Posts: 146
Registered: ‎01-05-2013
0

Re: new york state

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

Barclays & discover pulled transunion.


Last app 5/7/2014

No apps until 3/31/2016!
Contributor
Posts: 95
Registered: ‎01-14-2013
0

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 17k 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 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Valued Contributor
Posts: 1,384
Registered: ‎01-14-2009
0

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.

Senior Contributor
Posts: 4,583
Registered: ‎12-11-2011
0

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.
;

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.