who pulls transunion?

[murat]

hi my transunion report is better than the others because i disputed my wifes credit cards and they removed them but i cant do it to exp and equifax because i cant see my credit report online there is AU credit cards and balances are high.whenever i apply for credit i gets decline because balances.i need to know who pulls transunion usually so i can apply for them.

thanks

[Tuscani]

Are you just looking for credit card pulls?

[murat]

i just need to know who pulls who?

[Brusilov]

EDIT: I think you need to figure out the issues you have with the CBs before you apply anywhere else.  Why did you have to dispute cards that you were AU on instead of removing yourself from the card through normal means?

[Tuscani]

It's not that cookie cutter.. it can also depend on your location. But, Barclays is almost always TU as already suggested.

[murat]

i applied for barclys apple and i got denied.my transunion score is arround 650 and i have % 60 utili.i applied for chase freedom and got denied. reason was too many hard pulls.

[bichonmom]

It sounds like you need to take stock of your credit situation instead of apping. Have you pulled your 3 CR? Do you have any baddies you can either GW or PFD? Otherwise, focus on getting your util down. Most CCs aren't going to approve you if they see you're carrying high balances on your current cards.

The only CCs I know that primarily pull TU are Barclay's and GE, as another poster said. Most bank CCs pull different CRs, depending on your location and other factors. Chase told me that they pull different CRs and it has nothing to do w/location. I was expecting an EX pull from them and they pulled EQ, so there is really no way to determine.

The other possibility is to talk w/local CUs and see if they might be willing to work with you. CUs tend to primarily pull a single CRA and will tell you which one.

[murat]

my credit history is 8 months old and no any bad things and i have  ccs.i dont have my credit reports i cant pull them right now i dont know why.whenever i apply for a credit card they cant pull my report.it says unvalid ssn.thats why i cant pull up my credit reports.

[tmbr10]

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@murat wrote:

i applied for barclys apple and i got denied.my transunion score is arround 650 and i have % 60 utili.i applied for chase freedom and got denied. reason was too many hard pulls.

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Honestly speaking... Your numbers aren't that great right now. But that can all change with a  little time and attention. You probably wanna cool off of apping right now. Work on the utilization and get it down to ~ 30%. Also take the time to pull ALL three of your CR's so you can get the whole picture. I've never been a fan of trying to App for cards based on who they "normally" pull from. A creditor is not legally bound to pull from any one CRA.

Good Luck.

[Anonymous]

I've apped for Chase and Citi several times this past 12 months.  Each and every time it was EQ.

Discover also pulled EQ for the inital account but on a recent self CLI thru their website I see that they pulled TU.