topic Re: Decent card that pulls Transunion? in Credit Cards

Decent card that pulls Transunion?

Stugotsv10 — Sat, 15 Dec 2018 13:33:19 GMT

Younger kid just starting out, has 2 AU's but only 1 hit his EQ (no shock there right?) so now we want him (while on the AU's) to apply for cards of his own, but since onlyt 1 hit EQ there is a HUGE diff in scores TU is 722 while EX is 665 so I guess my question what non low level card can we have him appy for, that will pull TU and see the 722? Amex Blue card TU only? ill take any and all suggstions please help.

Wasn't there also a thread on here that said what cards pull what?? looked all over could not find it

Re: Decent card that pulls Transunion?

Remedios — Sat, 15 Dec 2018 13:43:25 GMT

There are a few banks likely to pull TU such as Barclay, Synchrony, USBank

Is this the same kid you posted about getting denied for everything, including the student card?

Why not wait till AU cards report to all three, so you're not bound to hoping TU will be pulled?

Also, why not start him with secured card and let him practice being an adult.

Re: Decent card that pulls Transunion?

Stugotsv10 — Sat, 15 Dec 2018 13:56:15 GMT

same family, different kid lol (worst thing I ever did was tell people I repaired my credit LOL)

not positive it will even hit EQ honestly, as of late I have seen AU's and Equifax not mix well

Re: Decent card that pulls Transunion?

Remedios — Sat, 15 Dec 2018 14:12:48 GMT

Are you/him member of any local CU?
They usually have *starter* cards available to members.
Does he have any income independent from you?

Re: Decent card that pulls Transunion?

K-in-Boston — Sat, 15 Dec 2018 16:54:09 GMT

Amex exclusively pulls Experian. If the 665 is a FICO 08 score and the kid has income, lower hanging fruit Amex cards may be obtainable.

Re: Decent card that pulls Transunion?

zerofire — Tue, 18 Dec 2018 23:53:45 GMT

I would offer the Paypal 2% cash back card. It is backed by Synchrony Bank, has a high chance of hitting TransUnion and done right they will start with a healthy reward structure of 2% with an option of 3% if done right.

Re: Decent card that pulls Transunion?

Anonymous — Tue, 18 Dec 2018 23:58:39 GMT

If eligible, I would say Navy Federal. Their credit card apps are mostly TU and they aren't hyper score sensitive.

Re: Decent card that pulls Transunion?

kdm31091 — Wed, 19 Dec 2018 00:58:18 GMT

@zerofire wrote:
I would offer the Paypal 2% cash back card. It is backed by Synchrony Bank, has a high chance of hitting TransUnion and done right they will start with a healthy reward structure of 2% with an option of 3% if done right.

Rewards are nice, but when you're just starting out, the main focus should be learning how to manage credit responsibly.

Of course, there's nothing wrong with the suggestion, but I don't know that the underwriting on that Paypal 2% is very lenient.

Re: Decent card that pulls Transunion?

BlueMystic — Wed, 19 Dec 2018 05:37:34 GMT

+1 for Barclaycard.

Re: Decent card that pulls Transunion?

trusty — Thu, 20 Dec 2018 20:51:57 GMT

@Stugotsv10 wrote:
same family, different kid lol (worst thing I ever did was tell people I repaired my credit LOL)

not positive it will even hit EQ honestly, as of late I have seen AU's and Equifax not mix well

Stop trying to help people mess up their credit. They'll figure out how to mess up their credit on their own.

Re: Decent card that pulls Transunion?

zerofire — Thu, 28 Feb 2019 06:39:51 GMT

The PayPal 2% Cashback is backed by Synchrony bank so it has to be lenient. The only thing Synchrony is brutal on is Care Credit.