topic Credit Cards that pull only from TransUnion or Equifax? in Credit Card Applications

Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Mon, 23 Oct 2017 17:30:03 GMT

Hi,

My TransUnion and Equifax scores are currently 742, but my Experian is 633.

Are there any credit cards that check only TransUnion or Equifax for your application?

I've done some Googling, but am getting mixed results and figure you folks in here would know best.

Thanks in advance for your help!

Re: Credit Cards that pull only from TransUnion or Equifax?

MrDisco99 — Mon, 23 Oct 2017 17:38:50 GMT

Barclay always pulls TU. All the rest of my issuers included EX in their pulls.

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Mon, 23 Oct 2017 18:00:12 GMT

Paypal 2% is TU only

Re: Credit Cards that pull only from TransUnion or Equifax?

redE2move — Mon, 23 Oct 2017 20:05:45 GMT

Synchrony pulls TU (Marvel, Care Credit, Walmart, Sams & more)

Re: Credit Cards that pull only from TransUnion or Equifax?

Meanmchine — Tue, 24 Oct 2017 02:40:45 GMT

US Bank pulls TU

Chase pulls EQ ( Florida ) Likes to double pull tho

Comenity pulls EQ

NFCU pulls TU

Penfed pulls EQ

Target pulls TU

NASA FCU - pulls EX but there is mixed reviews that membership is chexsystems and cc apps can be SP

Synchrony mostly TU but there is a 20% chance it could be EX

Re: Credit Cards that pull only from TransUnion or Equifax?

fltireguy — Tue, 24 Oct 2017 02:36:23 GMT

@Meanmchine wrote:
US Bank pulls TU
Chase pulls EQ ( Florida )Chase single pulls EX for me in Tampa,Fl
Comenity pulls EQ
NFCU pulls TU
Penfed pulls EQ
Target pulls TU

NASA FCU - pulls EX but there is mixed reviews that membership is chexsystems and cc apps can be SP

Re: Credit Cards that pull only from TransUnion or Equifax?

MrDisco99 — Tue, 24 Oct 2017 03:47:56 GMT

Citi and Chase double pulled EQ and EX for me in Georgia.

Re: Credit Cards that pull only from TransUnion or Equifax?

marty56 — Tue, 24 Oct 2017 09:48:14 GMT

RBFCU pulls TU for auto and their CC.

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Tue, 24 Oct 2017 10:41:53 GMT

Where are you getting your scores from?

Re: Credit Cards that pull only from TransUnion or Equifax?

AverageJoesCredit — Tue, 24 Oct 2017 11:40:54 GMT

Citi loves Eq

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Wed, 20 Dec 2017 21:35:24 GMT

@AverageJoesCredit wrote:
Citi loves Eq

Yeah but they almost always HP EQ and SP EX and if the EX score is substantially different they will then HP it.

The recon person when I was approved for my best buy card literally told me this as she was doing it (i was still approved either way, but that was a rather eye opening phone call)

Re: Credit Cards that pull only from TransUnion or Equifax?

arkane — Thu, 21 Dec 2017 01:44:47 GMT

@MrDisco99 wrote:
Citi and Chase double pulled EQ and EX for me in Georgia.

Chase double pulled EQ and EX even for the co-branded Amazon Prime card in California. Oh well at least I got a 9K SL, but too bad I can't say it's over 9000.

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Fri, 22 Dec 2017 03:03:31 GMT

But you CAN say "its over 8000" which is the correct translation

/neeeerrrrdddddd

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Fri, 22 Dec 2017 03:05:14 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
Citi loves Eq
Yeah but they almost always HP EQ and SP EX and if the EX score is substantially different they will then HP it.

The recon person when I was approved for my best buy card literally told me this as she was doing it (i was still approved either way, but that was a rather eye opening phone call)

This happened to me on a targeted pre-qualification for my Citi AAdvantage. At the time of application my EQ was about 50 points higher than EX - solely attributable to inquiries - all other information was nearly identical. Fortunately Citi didn't have any issues with my EX and I got a higher than expected SL.

Re: Credit Cards that pull only from TransUnion or Equifax?

Anonymous — Fri, 22 Dec 2017 23:42:34 GMT

State Farm Bank is TU.

Chase attempted to pull EQ on me but it's on lock...and I don't remember the pin.

Re: Credit Cards that pull only from TransUnion or Equifax?

marty56 — Sat, 23 Dec 2017 14:57:41 GMT

RBFCU - TU for everything.

Re: Credit Cards that pull only from TransUnion or Equifax?

Benzman — Sun, 24 Dec 2017 06:40:49 GMT

@Meanmchine wrote:
US Bank pulls TU

They have always pulled EX on me, whether new app or CLI, plus they also pull ARS & Sage Stream (these two compile ALL inquiries from the three bureaus and merge into one for their info). ARS, an arm of VISA, matches your phone number to inquiries as to how many cards you have applied for. Was told that from speaking to an underwriter.

Basically, even though they only pull one major, they still know what's showing on the others.

Re: Credit Cards that pull only from TransUnion or Equifax?

expatCanuck — Mon, 25 Dec 2017 15:26:43 GMT

I live in VA. Applied for a Discover IT the other day. They pulled EQ.

Re: Credit Cards that pull only from TransUnion or Equifax?

dsotm76 — Mon, 25 Dec 2017 19:21:45 GMT

This is good to know. I'm debating between Discover and AMEX and I live in VA too. Appreciate the info!

Re: Credit Cards that pull only from TransUnion or Equifax?

arkane — Mon, 25 Dec 2017 19:53:48 GMT

I live in CA and Discover pulled EQ as well