topic Re: Give me Equifax or Give Me Death! in Credit Cards

Give me Equifax or Give Me Death!

Journeygod — Thu, 01 Dec 2016 01:01:21 GMT

I've reached the end of an app spree, in which everyone has pulled Experian and Transunion.

I still have a 770 Equifax with 6 inqs and I can't find any banks or CUs that pull Equifax.

I already have Citi cards, NFCU, Penfed, Alliant and Discover cards. I've tried the Huntington Voice card but I'm not located in their area.

Is there anybody else who pulls Equifax almost exclusively? I tried the creditpulls database but it's pretty anemic for Equifax.

I'd hate to waste a 770 Equifax on an app spree simply because I can't find anyone.

Anybody with more knowledge than me have any insight?

Re: Give me Equifax or Give Me Death!

thummel — Thu, 01 Dec 2016 01:40:03 GMT

Most comenity cards usually pull EQ if there are any cards they have that interest you. I know the Sony, PlayStation card and buypower card all usually pull EQ too. I think TD bank likes to use EQ too but don't quote me on that one.

Re: Give me Equifax or Give Me Death!

Journeygod — Thu, 01 Dec 2016 02:00:58 GMT

@thummel wrote:
Most comenity cards usually pull EQ if there are any cards they have that interest you. I know the Sony, PlayStation card and buypower card all usually pull EQ too. I think TD bank likes to use EQ too but don't quote me on that one.

Oh, I forgot. I got the Comenity Virgin America card too last week and they pulled Experian.

Thanks though, I really appreciate it!

Re: Give me Equifax or Give Me Death!

SouthJamaica — Thu, 01 Dec 2016 02:50:11 GMT

@Journeygod wrote:
I've reached the end of an app spree, in which everyone has pulled Experian and Transunion.
I still have a 770 Equifax with 6 inqs and I can't find any banks or CUs that pull Equifax.

I already have Citi cards, NFCU, Penfed, Alliant and Discover cards. I've tried the Huntington Voice card but I'm not located in their area.

Is there anybody else who pulls Equifax almost exclusively? I tried the creditpulls database but it's pretty anemic for Equifax.
I'd hate to waste a 770 Equifax on an app spree simply because I can't find anyone.

Anybody with more knowledge than me have any insight?

The 2 I knew of you already have... Alliant & PenFed.

Re: Give me Equifax or Give Me Death!

Anonymous — Thu, 01 Dec 2016 04:16:37 GMT

Honestly the bureau that is pulled shouldn't dictate the cards for which you apply. It's not a waste to have it and not apply; what's a waste is applying for cards you don't need just because you have a good score. That's kind of crazy. If you need something then by all means go for it but never app just to app. That's a recipe for SD and possible AA (depending on your lenders)

Re: Give me Equifax or Give Me Death!

Journeygod — Thu, 01 Dec 2016 05:47:36 GMT

@Anonymous wrote:
Honestly the bureau that is pulled shouldn't dictate the cards for which you apply. It's not a waste to have it and not apply; what's a waste is applying for cards you don't need just because you have a good score. That's kind of crazy. If you need something then by all means go for it but never app just to app. That's a recipe for SD and possible AA (depending on your lenders)

If you don't have something to credible add to the information I asked for keep the rest to yourself.

I didn't ask for your opinion on my financial management.

Re: Give me Equifax or Give Me Death!

Anonymous — Thu, 01 Dec 2016 06:28:55 GMT

PWDTR4 actually had good advice, pretty sure he didn't tell you what to do with your pulls. If you really need it or it is going to benefit your lineup then go for it. Just to have something pull EQ doesn't mean it is going to benefit you. As to your question, Chase cards have pulled EQ for me everytime.

Re: Give me Equifax or Give Me Death!

FireMedic1 — Thu, 01 Dec 2016 09:07:34 GMT

FACEPALM

Re: Give me Equifax or Give Me Death!

pizza1 — Thu, 01 Dec 2016 09:29:23 GMT

Funny spin off of Patrick Henry's, "Give me Liberty, or give me Death!" Love the title, LOL!!

Back to our EQ pullers...

all your CU's...Navy, PF, DCU, Alliant, etc..
Comenity Bank
5/3 Bank
Target
Citi retail division side....(Best Buy store/visa, Brooks brothers MasterCard/ Home Depot.....etc.)

Re: Give me Equifax or Give Me Death!

Anonymous — Thu, 01 Dec 2016 13:50:43 GMT

Journeygod there's no reason to be that way. I understand you have an itch... it happens. I just have seen far to often where people do these apps because of a certain bureau and in 6 months you see new threads from them like "ok which cards should I close"

Re: Give me Equifax or Give Me Death!

Anonymous — Thu, 01 Dec 2016 13:56:24 GMT

@Journeygod wrote:
@Anonymous wrote:
Honestly the bureau that is pulled shouldn't dictate the cards for which you apply. It's not a waste to have it and not apply; what's a waste is applying for cards you don't need just because you have a good score. That's kind of crazy. If you need something then by all means go for it but never app just to app. That's a recipe for SD and possible AA (depending on your lenders)
If you don't have something to credible add to the information I asked for keep the rest to yourself.

I didn't ask for your opinion on my financial management.

The role of a forum is not simply to get questions answered, people do (and should) feel free to express opinions on the underlying questions, if not for the OP for the benefit of others. If I post "Which cards have the highest APRs as I hear that is a good thing?" I would hope for some posts explaining that high APRs aren't all that desireable, rather than just pointing me to the FP and Credit Ones of this world.

Re: Give me Equifax or Give Me Death!

redpat — Thu, 01 Dec 2016 14:10:18 GMT

It's looking more like death.......Because it's the flip of a coin on what's pulled if it's not Barclay or Amex.

Re: Give me Equifax or Give Me Death!

CreditCuriosity — Thu, 01 Dec 2016 14:15:44 GMT

Move to tennesse and everyone will pull EQ for you..With exception of Barclay's and Sync. No one other than Amex or BofA cares for Exp here.

Re: Give me Equifax or Give Me Death!

thummel — Thu, 01 Dec 2016 18:16:10 GMT

Be careful if you do check out 5/3 bank. I applied a few months back and they pulled EX on me. Was hoping for an EQ pull because nobody ever uses mine.

Re: Give me Equifax or Give Me Death!

Journeygod — Fri, 02 Dec 2016 22:46:24 GMT

Thanks!