topic Re: New Credit Card in Credit Cards

New Credit Card

John060675 — Mon, 09 Nov 2009 23:26:45 GMT

OK, this is a question for my wife. For those who know my situation, I promise it is not for me! Anyway, we live in Florida and my wife has baddies showing up on TU and EX, but for some reason she is showing nothing on Equifax. Obviously we will not correct that!

For this reason, we are wondering which credit card companies only pull from Equifax. I know there is whogavemecredit.com, but it seems no one says exactly what is what on there. Maybe there is a CU someone knows about in the Miami area that they would recommend.

Thanks.

Re: New Credit Card

DI — Mon, 09 Nov 2009 23:50:24 GMT

The best thing to do is put a freeze on your TU and EX reports. As you apply for new cards, you can check your EQ reports to see if the inquiry posted to it. If the creditor try to pull any other reports, it won't go through.

Kroger 123

Nordstrom

Citi

Sears

Penfed

HSBC

Message Edited by DI on 11-09-2009 05:50 PM

Re: New Credit Card

Anonymous — Tue, 10 Nov 2009 06:25:18 GMT

We are not in your area, but the following pulled EQ for DH & I:

Alliant C.U. (nice CL on CC)

Kroger 1-2-3 (also nice CL)

BofA (pretty good CL)

Cabela's (pretty good CL)

GEMB cards

Good luck!

Re: New Credit Card

John060675 — Tue, 10 Nov 2009 13:26:09 GMT

Thank you all for the reply.

Re: New Credit Card

Anonymous — Tue, 10 Nov 2009 13:59:36 GMT

NFCU

USAA

PenFed

Kroger 123

Alliant

GEMB (except JCPenney, they pull TU for some reason)

FYI: BoA always pulls EX on me, never EQ.

Message Edited by txjohn on 11-10-2009 05:59 AM

Re: New Credit Card

Anonymous — Tue, 10 Nov 2009 21:53:35 GMT

Most CUs pull EQ, but unfortunately they usually have higher standards, so if she has some baddies, the rest of her report might not be perfect, but if she does have scores near 700s, she would be wise to try to get in with some local CUs or some of the national ones mentioned on here (PenFed, Alliant, etc)

Re: New Credit Card

Imhotrodcrazy — Wed, 11 Nov 2009 00:36:23 GMT

DI, How do you put a freeze on one or more of your credit report(s)? Thanks

Re: New Credit Card

John060675 — Wed, 11 Nov 2009 01:38:12 GMT

I just googled the words "freeze experian", "freeze Transunion", etc. and it brought up the links on their websites to do it. It will cost you to do it. I think I read on the CRAs websites $10.

I filled out most of the application to do it on TU, but I chickened out at the last moment. It just seemed too easy to do. I probably will finish it tonight.

Re: New Credit Card

Imhotrodcrazy — Wed, 11 Nov 2009 02:22:07 GMT

@John060675 wrote:
I just googled the words "freeze experian", "freeze Transunion", etc. and it brought up the links on their websites to do it. It will cost you to do it. I think I read on the CRAs websites $10.

I filled out most of the application to do it on TU, but I chickened out at the last moment. It just seemed too easy to do. I probably will finish it tonight.

John, Thanks for the info on "freezing" my reports.

Re: New Credit Card

wmarat — Wed, 11 Nov 2009 02:22:17 GMT

It is easy to do, and it is free for NJ residents. My 3 out of 4 are frozen.

Re: New Credit Card

DI — Wed, 11 Nov 2009 02:27:35 GMT

Go to each CRA's website and look for the freeze link. Depending on what state you reside, you may have to pay a fee. The fee is no more than $10. It use to not cost anything to place a freeze on reports. I did mines before TU start charging. EX always charged a fee. EX even charge a fee if you lose your PIN. Some on the CRA's charge to have the freeze removed too. Also, you can temporarily removed the freeze . With some creditors(AMEX), even if you have a freeze on your credit report, you can give them your PIN, and they can still pull your report if you seek new credit.

If you want to control what report you want creditors to pull, and you are not sure what report may be pulled, it's good to place a freeze on two of your reports.

For example, when I recently went on an app spree, I had zero inquiries on my EQ report. I now have 9 inquiries, because everyone that approved me pulled my EQ report. Those who did not approved me, tried to access my TU or EX report, and they could not. That's exactly how I wanted it.

Message Edited by DI on 11-10-2009 08:27 PM

Re: New Credit Card

iwantbettercredit — Wed, 11 Nov 2009 02:38:31 GMT

Thank you to all of you. This forum is awesome and the information that I get out of the Fico Forums and its members is just priceless. You are all the best!!!!!!!!!!!!!!!!!!!

You are all good luck to me. I think we should all pitch in a $1 and buy Mega Million Lottery tickets and if we win we will all become rich, We could make history!!!

Re: New Credit Card

Anonymous — Wed, 11 Nov 2009 03:11:02 GMT

hello just wanted to know that definately best buy pulls equifaxs and they do give credit easy also kays jewerelers pulls equifaxs cause i did my application over the phone and the guy told me they pulled equifaxs i was approved for 4,500 being my first revolving as of 10/2009 as well i just apply for wellfargo secured and they pulled equifaxs and i was approved so go for it. and i did had a collection from 10 months ago

Re: New Credit Card

Imhotrodcrazy — Wed, 11 Nov 2009 20:05:25 GMT

@DI wrote:
Go to each CRA's website and look for the freeze link. Depending on what state you reside, you may have to pay a fee. The fee is no more than $10. It use to not cost anything to place a freeze on reports. I did mines before TU start charging. EX always charged a fee. EX even charge a fee if you lose your PIN. Some on the CRA's charge to have the freeze removed too. Also, you can temporarily removed the freeze . With some creditors(AMEX), even if you have a freeze on your credit report, you can give them your PIN, and they can still pull your report if you seek new credit.

If you want to control what report you want creditors to pull, and you are not sure what report may be pulled, it's good to place a freeze on two of your reports.

For example, when I recently went on an app spree, I had zero inquiries on my EQ report. I now have 9 inquiries, because everyone that approved me pulled my EQ report. Those who did not approved me, tried to access my TU or EX report, and they could not. That's exactly how I wanted it.

Message Edited by DI on 11-10-2009 08:27 PM

DI, Thanks for the info on how "freeze" my accts.

Re: New Credit Card

DI — Wed, 11 Nov 2009 20:12:10 GMT

Welcome