topic Re: CC companies that pulls only TU or EX? in Credit Card Applications

CC companies that pulls only TU or EX?

kc15146 — Fri, 04 Oct 2024 11:43:25 GMT

I am a newbie, establishing my credit for the first time. I am also an authorized user on one of my brother's credit cards. This cc is ONLY reporting on my TU & EX credit report, which shows my current scores of 743 and 758, respectively.

Based on your experience, can someone tell which CC companies pull only from TU or EX, with higher chances of approval for newbies like me? I have no debt, and I earn SSI.

Re: CC companies that pulls only TU or EX?

BudC2 — Fri, 04 Oct 2024 11:59:12 GMT

Try this post. It helped me tremendously and I still reference it from time to time.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/6379773

Re: CC companies that pulls only TU or EX?

FicoMike0 — Fri, 04 Oct 2024 15:17:07 GMT

@BudC2

Good info. I have used it too.

As to building new credit, here's my advice:

Get a card in your name.
Avoid sub prime lenders, better to get a secured card from a mainstream lender.
Don't mess up! One baddie cancels out years of good history.

Re: CC companies that pulls only TU or EX?

kc15146 — Fri, 04 Oct 2024 17:15:16 GMT

THANKS @BudC2 , really appreciate your response!