topic Re: Cards for good credit that don't pull experian? in Credit Card Applications

Cards for good credit that don't pull experian?

marvalgames — Mon, 13 Sep 2021 12:05:38 GMT

My wife is looking to get a card for cash back and payoff each month.

Problem is currently experian score 646 but EQ and TU 720?

Any option currently or just wait for an EXP correction? (Still showing collections on experian only)

Any suggestions for a bank card that won't use experian.

We are in NJ

Thanks

Re: Cards for good credit that don't pull experian?

Horseshoez — Mon, 13 Sep 2021 12:20:12 GMT

@marvalgames wrote:
My wife is looking to get a card for cash back and payoff each month.
Problem is currently experian score 646 but EQ and TU 720?
Any option currently or just wait for an EXP correction? (Still showing collections on experian only)

Any suggestions for a bank card that won't use experian.
We are in NJ
Thanks

Where are you getting your scores? I ask because it looks like your Experian number is a FICO 8 while your TU score is a Vantage 3.0 score. If that's the case, my bet is your TU and EQ FICO 8 scores are pretty close to your EX score.

Re: Cards for good credit that don't pull experian?

marvalgames — Mon, 13 Sep 2021 12:28:30 GMT

Thanks.

They are fico scores. But the collections accounts that are on Experian destroys the score. The vantage scores are all over 720 but they don't count paid collection accounts in the calculation.

Re: Cards for good credit that don't pull experian?

Trini88 — Mon, 13 Sep 2021 12:42:16 GMT

Apple and Barclays pull TU.

Re: Cards for good credit that don't pull experian?

Trini88 — Mon, 13 Sep 2021 12:44:34 GMT

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

Re: Cards for good credit that don't pull experian?

Trini88 — Mon, 13 Sep 2021 12:52:07 GMT

A more updated thread

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-II/td-p/6379773

Re: Cards for good credit that don't pull experian?

4sallypat — Mon, 13 Sep 2021 18:25:45 GMT

I am in the same position. Looking for a card that does NOT pull from EX.

My EX is low (690) because they don't lump mortgage inquiries - they said on the phone it's because they are not coded the same ??

Mine shows 12 mortgage pulls - all separate and hitting my score harder...

TU & EQ scores are very high (750+) - both CRAs lumped the 12 mortgage inquiries into 1 which is why the scores are so high.

I don't know if I should challenge EX on their difference scoring inquiries...

Re: Cards for good credit that don't pull experian?

cashorcharge — Mon, 13 Sep 2021 21:37:46 GMT

There was an approval last week from Citizens Bank stating they pulled EQ and on the "what do they pull" thread, I believe it confirmed that.

Also, I know that PenFed pulls EQ for their credit cards.

Re: Cards for good credit that don't pull experian?

randomguy1 — Tue, 14 Sep 2021 01:34:30 GMT

PenFed - EQ

Barclays, Alliant CU - TU

Citibank - depends on state. Was eq for me in TX.