topic Re: Credit Cards that only use TransUnion in Credit Card Applications

Credit Cards that only use TransUnion

AJ67 — Thu, 01 Feb 2024 09:43:07 GMT

I have about 3 inquiries in EXP and 2 inquiries in EQ. However, I only have 1 inquiry in TU. It was about a year ago. I want to get one more credit card that has a 0% interest for BT. So I'm trying to find one that pulls a TU. I think I'll have a better chance for approval.

Re: Credit Cards that only use TransUnion

Classroom-Middle — Thu, 01 Feb 2024 10:01:09 GMT

This depends on where you live but heres a short list ... Navy Fed, BMO harris, US Bank, Apple FCU, Teachers FCU, Elan Financial, The Apple Card, The GM card. good luck.

Re: Credit Cards that only use TransUnion

coldfusion — Thu, 01 Feb 2024 12:55:12 GMT

This thread has fallen by the wayside but it should at least give you some idea of likely candidates depending on which state you live in.

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

Re: Credit Cards that only use TransUnion

NoHardLimits — Thu, 01 Feb 2024 20:19:12 GMT

Barclays usually pulls TU.

Re: Credit Cards that only use TransUnion

AJ67 — Thu, 01 Feb 2024 21:11:21 GMT

@coldfusion wrote:
This thread has fallen by the wayside but it should at least give you some idea of likely candidates depending on which state you live in.

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

Thank you so much! This thread has a wealth of helpful information.

Re: Credit Cards that only use TransUnion

AJ67 — Thu, 01 Feb 2024 21:13:18 GMT

@NoHardLimits wrote:
Barclays usually pulls TU.

Thanks. I'm considering Barclays!

Re: Credit Cards that only use TransUnion

youngandcreditwrthy — Fri, 02 Feb 2024 17:56:11 GMT

BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circumstance.

Re: Credit Cards that only use TransUnion

AJ67 — Fri, 02 Feb 2024 18:39:11 GMT

@youngandcreditwrthy wrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circumstance.

Thanks for your insight!

Last month I got Discover...they only pulled EXP.

I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.

Re: Credit Cards that only use TransUnion

coldfusion — Fri, 02 Feb 2024 22:44:28 GMT

@youngandcreditwrthy wrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circumstance.

BoA almost exclusively pulls Experian for new credit applications although they did HP Equifax for my last card with them. Their go-to for CLI requests are Transunion soft pulls.

Re: Credit Cards that only use TransUnion

coldfusion — Fri, 02 Feb 2024 23:01:35 GMT

@AJ67 wrote:
@youngandcreditwrthy wrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circumstance.
Thanks for your insight!
Last month I got Discover...they only pulled EXP.
I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.

Barclay is a quirky lender and has historically been somewhat sensitive to new accounts, but if you're denied call them and ask for a reconsideration. You'll be transferred to an analyst who can update to an approval on the spot if you make a convincing enough case.

Re: Credit Cards that only use TransUnion

youngandcreditwrthy — Sat, 03 Feb 2024 18:32:22 GMT

@AJ67 @coldfusion agree about barclays, BUT barclay's has an amazing Reconsideration department.

I literally had a lady tell me once on their line " you lookin' for a recon?" like she said 'recon' not reconsideration or re evaluation or escalation but literally used slang for recon lol..

Barlcya's is very new account sensitive.

I think you'd be on the cusp of approval, but they are very very easy to talk your way into an approval with their very very friendly recon line/underwriting. I reconned my way into a Travelocity Amex approval for 6500 with a 660'ish TU FICO score over ten years ago. I moved the limit around and closed the account eventually.

as far as boa, I think they hard pulled me for CLIs :-( but that was a loong time ago.

even on barclay's other limited co branded offerings in the US, like the barnes and nobles card, they offer 15 mos 0% with a 5% bt fee I think. I liked Barclays to an extent. They also used to send me lotsa blank checks for like 5.99% for 12 mos no fee or 0% for 9 mos 4% fee. They do things a little bit differently and other people ahve experienced lotsa AA with them for new accounts. I never experienced any of that personally except one time they CLD my barclay arrival from 20k down to 8300 and I called and got it reinstated. They cld'ed me cause I took a cash advance for fun. lol ofc I paid it back almost instantly.

no matter what you do, I think it's a good idea to FREEZE your other reports (again can be done for free ) when you apply for anything that you're expecting to pull TU. The truth is lenders can pull any CRAs and some use diff CRAs for diff purposes ie pre approval from one CRA and final approval with a HP from another.

Re: Credit Cards that only use TransUnion

AJ67 — Sun, 04 Feb 2024 05:48:19 GMT

@coldfusion wrote:

Barclay is a quirky lender and has historically been somewhat sensitive to new accounts, but if you're denied call them and ask for a reconsideration. You'll be transferred to an analyst who can update to an approval on the spot if you make a convincing enough case.

I'm trying to think of a convincing explanation for having 3 new accounts in the last 2 months

Re: Credit Cards that only use TransUnion

AJ67 — Sun, 04 Feb 2024 05:54:28 GMT

@youngandcreditwrthy wrote:
@AJ67 @coldfusion agree about barclays, BUT barclay's has an amazing Reconsideration department.

I literally had a lady tell me once on their line " you lookin' for a recon?" like she said 'recon' not reconsideration or re evaluation or escalation but literally used slang for recon lol..

Barlcya's is very new account sensitive.

I think you'd be on the cusp of approval, but they are very very easy to talk your way into an approval with their very very friendly recon line/underwriting. I reconned my way into a Travelocity Amex approval for 6500 with a 660'ish TU FICO score over ten years ago. I moved the limit around and closed the account eventually.

as far as boa, I think they hard pulled me for CLIs :-( but that was a loong time ago.

even on barclay's other limited co branded offerings in the US, like the barnes and nobles card, they offer 15 mos 0% with a 5% bt fee I think. I liked Barclays to an extent. They also used to send me lotsa blank checks for like 5.99% for 12 mos no fee or 0% for 9 mos 4% fee. They do things a little bit differently and other people ahve experienced lotsa AA with them for new accounts. I never experienced any of that personally except one time they CLD my barclay arrival from 20k down to 8300 and I called and got it reinstated. They cld'ed me cause I took a cash advance for fun. lol ofc I paid it back almost instantly.

no matter what you do, I think it's a good idea to FREEZE your other reports (again can be done for free ) when you apply for anything that you're expecting to pull TU. The truth is lenders can pull any CRAs and some use diff CRAs for diff purposes ie pre approval from one CRA and final approval with a HP from another.

It's good to know that they are so pleasant as to the reconsideration process to the point of using its nickname ..lol

Re: Credit Cards that only use TransUnion

youngandcreditwrthy — Sun, 04 Feb 2024 19:17:14 GMT

@AJ67 Ill never forget that recon call with barclay's LOL... she almost instantly said "you lookin for a recon" just like that...in either a deep south or deep north accent I think it was .. . hahahaaa

Re: Credit Cards that only use TransUnion

IWO — Sat, 20 Apr 2024 14:57:41 GMT

Thanks for posting this information friends, I have a couple old CO's on experian only and it is 40 points lower than transunion and equifax, so this was very helpful in selecting a servicer that does not use experian.

Re: Credit Cards that only use TransUnion

7774x — Sat, 20 Apr 2024 19:32:27 GMT

@youngandcreditwrthy wrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circumstance.

Last 2 Chase cards pulled EX

Re: Credit Cards that only use TransUnion

Janneman — Wed, 24 Apr 2024 06:32:17 GMT

@AJ67 wrote:
@youngandcreditwrthy wrote:
@AJ67 @coldfusion agree about barclays, BUT barclay's has an amazing Reconsideration department.

I literally had a lady tell me once on their line " you lookin' for a recon?" like she said 'recon' not reconsideration or re evaluation or escalation but literally used slang for recon lol..

Barlcya's is very new account sensitive.

I think you'd be on the cusp of approval, but they are very very easy to talk your way into an approval with their very very friendly recon line/underwriting. I reconned my way into a Travelocity Amex approval for 6500 with a 660'ish TU FICO score over ten years ago. I moved the limit around and closed the account eventually.

as far as boa, I think they hard pulled me for CLIs :-( but that was a loong time ago.

even on barclay's other limited co branded offerings in the US, like the barnes and nobles card, they offer 15 mos 0% with a 5% bt fee I think. I liked Barclays to an extent. They also used to send me lotsa blank checks for like 5.99% for 12 mos no fee or 0% for 9 mos 4% fee. They do things a little bit differently and other people ahve experienced lotsa AA with them for new accounts. I never experienced any of that personally except one time they CLD my barclay arrival from 20k down to 8300 and I called and got it reinstated. They cld'ed me cause I took a cash advance for fun. lol ofc I paid it back almost instantly.

no matter what you do, I think it's a good idea to FREEZE your other reports (again can be done for free ) when you apply for anything that you're expecting to pull TU. The truth is lenders can pull any CRAs and some use diff CRAs for diff purposes ie pre approval from one CRA and final approval with a HP from another.
It's good to know that they are so pleasant as to the reconsideration process to the point of using its nickname ..lol

Don't assume Barclay's reconsideration people to be pleasant and nice. They have so many people in there, and each and everyone wouldn't be nice and pleasant. It depends who you would get over the phone. I have had a terrible experience when I contacted them upon denial of one of my applications. The lady was rude and right away told me that Barclay's will not and can not reconsider because I have had 6/24....and this happened while I have been holding another card from them for many years which I regularly use. So, your new accounts do matter to them but it depends on how many new accounts you got in 24 months.

Since you were planning to get all these cards then I don't know why you didn't try to get all these cards at the same time. I would have done it because then I would not have to face this new accounts issue and all my accounts would have grown together...Though there are some (little) consequences of getting many cards at the same time, but those are minor. I got 14 cards at the same time, and applied for them on same day....and they got all approved. However, one lender closed my account after a month or two because of this...means obtaining too many new cards....but all others were and are no problem.....YMMV....