topic Re: Credit Cards/Approvals in Credit Cards

Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 20:12:33 GMT

Based on my inquiries on my report, certain companies go to Experian others don't, some pull from Equfax and not trans union. Which credit card companies inquire through Experian? which thru Trans Union? and which thru Equifax. The reason why I ask is my scores vary between agencies and I've been approved because they went thru Equifax which is higher and then another company pulled fro Experian which is lower. So how do you know which look up which agencie for approval?

Re: Credit Cards/Approvals

fused — Sun, 15 Mar 2009 21:13:57 GMT

Welcome to the forums!

It really depends on the CCCs (credit card companies) and where you live. Some CCCs utilize a certain CRA (credit reporting agency) more than others.

Amex is a huge EX puller

Discover mostly EX or TU

CITI mostly EQ

Macy's mostly EX

Chase might pull any one of the three, they're very hard to predict

I live in Hawaii, aka EX land. I suggest you ask about a specific CCC and tell everyone which state you're in, you might very well get some good information.

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 21:26:37 GMT

Ok thank you.. Will do

I'm in California.. Was wondering about Sears, AMX, Target etc..

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 21:29:49 GMT

All depends on where live every Citi card i have applied for has always pulled EX. GE is a big EQ puller.

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 21:31:55 GMT

I live in Southern California

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 21:35:54 GMT

@Anonymous wrote:
I live in Southern California

This site will help u out allot also.

www.whogavemecredit.com

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 22:28:07 GMT

@Anonymous wrote:
I live in Southern California

I also live in so cal and here is a list of who pulled what for me.

Chevron-Eq

Sams -Eq

Wal Mart- Eq

Jc Pennys - Eq

Capitol One -Eq/Ex/Tu ( i believe Cap One always pulls all 3)

Chase (Circuit City)-Eq

Norstrom-Eq

Target-Eq

Macys-Ex

Chase Master Card-Ex

Hsbc (Best Buy)-Eq

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 22:30:14 GMT

Amex, Target, and Walmart all pull EQ in So. Cali I believe... Most of the larger credit unions also pull EQ. Sears pulls EX.

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 22:38:43 GMT

Thanks Vegas

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 22:39:29 GMT

Thank you very much

Re: Credit Cards/Approvals

Anonymous — Sun, 15 Mar 2009 22:44:49 GMT

Amex pulled EX on me in June, Denied to many inquires 11.

Re: Credit Cards/Approvals

Anonymous — Mon, 16 Mar 2009 05:05:17 GMT

Oops sorry...it's USAA AMEX that pulls EQ