What CC companies pull Experian only?

[WilliamBruce]

My Experian score is significantly higher.  Does anyone know which credit card issuers pull their report from Experian only?

[Revelate]

Look through the credit pulls database (Google it, first link), as it's highly dependent on where you live.  If you're on the west coast, you have a much higher chance of virtually any national lender pulling EX than you do if you live east.  There are some "national" CU's (open to anyone with a $20ish donation to some random organization) which pull EX exclusively as well.

[Crashem]

Another method would be to put security freezes on TU and Equifax.  If someone tries to pull them, they need your permission.  You can refuse and ask them to pull something else and hopefully Experian comes up.  If they refuse, then cancel the credit request or say you will call them back after you take off the security freeze.

[WilliamBruce]

Thanks guys.  Both suggestions are very helpful.  FYI, I just applied to Citi, they pulled EX and immediately approved $3K line with score of 705.  I live in Alabama.

[MarineVietVet]

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@Crashem wrote:

Another method would be to put security freezes on TU and Equifax.  If someone tries to pull them, they need your permission.  You can refuse and ask them to pull something else and hopefully Experian comes up.  If they refuse, then cancel the credit request or say you will call them back after you take off the security freeze.

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This suggestion comes up from time to time and I will say once again that freezing certain CRA's in order to manipulate which CRA is actually pulled because it might be a better score is considered by myFICO to be unethical and not allowed to be discussed or advocated. By using this tactic you are not applying the option of a credit freeze as it was originally intended. The same thing would apply to freezing a report because you want to avoid a legitimate inquiry.

[pizzadude]

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@WilliamBruce wrote:

My Experian score is significantly higher.  Does anyone know which credit card issuers pull their report from Experian only?

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AMEX almost always pulls EX only.   Rarely, they'll pull all three CRAs for Credit Cards ~ not charge cards though...