topic Re: Creditors who pull Experian ONLY ?l in Credit Cards

Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:32:45 GMT

So I have noticed that some creditors pull only specific credit bureaus and I only have 1 inquiry on my experian profile and wanted to take advantage of that. Hence the reason I am looking for recommendations of creditors known to specifically pull Experian ONLY if any.

Been looking around for answers but no solid leads yet.

P.S I am located in California ( i have read that bureau pulls may also vary on location)

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:33:54 GMT

look at the credit pills database and what on earth cards do you want buddy. don't decide based on bureau decide based on needs. matching your spend to the cards is doing it completely wrong.

Re: Creditors who pull Experian ONLY ?l

Creditaddict — Fri, 04 Mar 2016 00:34:10 GMT

American Express

Chase

Citi

BBVA

Re: Creditors who pull Experian ONLY ?l

Chris679 — Fri, 04 Mar 2016 00:40:02 GMT

Yes to Amex, yes to Chase (although they did pull TU once for me years ago), but Citi has pulled EQ for me every time

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:41:59 GMT

@Anonymous wrote:
look at the credit pills database and what on earth cards do you want buddy. don't decide based on bureau decide based on needs. matching your spend to the cards is doing it completely wrong.

^^^+100

Cali here. American Express EX, Chase EX for me. YMMV.

Re: Creditors who pull Experian ONLY ?l

Loquat — Fri, 04 Mar 2016 00:42:53 GMT

Bank of America

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:47:31 GMT

2011X: I did look at the credit database but there are just many variations of what they pull and no certain creditors I have seen, and as far as your assumption that i am wanting to base my decision to open an acct solely on the fact that they pull experian without assesing my financial needs is absolutely inacurate. I am of course going to see what cards that the creditor offers and if they fit my financial needs first and if they pull only experian then its a plus but thats not the make it or break it. I simply would find it ideal to find a good card that fits my needs and whom only pulls experian.

Thanks all for the inputs

P.S... I did see Amex and am leaning towards the Everyday card but not really digging the annual fee.

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:49:19 GMT

the ED has no annual fee only the EDP. and chase isn't always only EX

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 00:53:29 GMT

hmmm, weird I thought I saw an annual fee on the CK app when I looked into the details of the card.... How are they with CL's?

I have pretty high limits on my retail cards but my actual charge cards only have a 2k and 3.5k limit which is pretty low for my profile.

@Anonymous wrote:
the ED has no annual fee only the EDP. and chase isn't always only EX

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 01:04:43 GMT

some people get $1k and some $20k. the lowest is $500

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 05:04:32 GMT

Citi pulled EX and EQ for me when I opened a new card with them a couple of weeks ago.

Re: Creditors who pull Experian ONLY ?l

Kidcat — Fri, 04 Mar 2016 05:19:13 GMT

I'm in CA and every creditor pulls EXP except Barclays, Discover and Synchrony

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 05:22:36 GMT

lol that is so damn false.

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 12:00:50 GMT

For me it has been Wells Fargo, Amex, Citi.

Re: Creditors who pull Experian ONLY ?l

Anonymous — Fri, 04 Mar 2016 12:01:53 GMT

@Anonymous wrote:
the ED has no annual fee only the EDP. and chase isn't always only EX

For me Chase has always been EX/EQ for the same app.

Re: Creditors who pull Experian ONLY ?l

Officer737 — Sat, 05 Mar 2016 04:03:13 GMT

@Anonymous wrote:
2011X: I did look at the credit database but there are just many variations of what they pull and no certain creditors I have seen, and as far as your assumption that i am wanting to base my decision to open an acct solely on the fact that they pull experian without assesing my financial needs is absolutely inacurate. I am of course going to see what cards that the creditor offers and if they fit my financial needs first and if they pull only experian then its a plus but thats not the make it or break it. I simply would find it ideal to find a good card that fits my needs and whom only pulls experian.

Thanks all for the inputs

P.S... I did see Amex and am leaning towards the Everyday card but not really digging the annual fee.

I looked at the database loking at different things and found that the information is only as accurate as the person who put it, so I didn't put a lot of stock on it.

Re: Creditors who pull Experian ONLY ?l

Revelate — Sat, 05 Mar 2016 04:16:55 GMT

Having resided in CA for 11 years now, and for the entirety of my credit-building life, I have to go out of my way to NOT get a major lender to pull EX for me.

That said, as 2011XTERROR suggests, pick the card you want and don't sweat where the inquiry lands... unless you're playing hide and go seek like I had to do when I was first building with one helluva tax lien aka albatross on my TU/EX reports that magically disappeared previously from EQ.