topic Re: TransUnion in Credit Cards

TransUnion

Anonymous — Sun, 17 Jan 2010 20:06:12 GMT

Does anyone know which creditors pull only TransUnion?

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 20:26:44 GMT

@Anonymous wrote:
Does anyone know which creditors pull only TransUnion?

try ......whogavemecredit.com

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 21:04:12 GMT

IME

JCPenney/GEMB (even though GEMB likes EQ on other store cards)

Discover (however, many others were pulled EQ)

Juniper/Barclay's

Re: TransUnion

keith021 — Sun, 17 Jan 2010 21:25:32 GMT

@Anonymous wrote:
IME

JCPenney/GEMB (even though GEMB likes EQ on other store cards)
Discover (however, many others were pulled EQ)
Juniper/Barclay's

Discover pulled TransUnion for me as well.

Re: TransUnion

BungalowMo — Sun, 17 Jan 2010 21:45:09 GMT

Nationwide CC pulls TU...some have reported a pull on EX as well, but for me and most others...TU only.

Re: TransUnion

DI — Sun, 17 Jan 2010 21:45:55 GMT

Discover and State Farm for sure.

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 21:50:02 GMT

@Anonymous wrote:
@Anonymous wrote:
Does anyone know which creditors pull only TransUnion?

try ......whogavemecredit.com

WGMC is a marginal source. Not well maintained. You're generally better of asking here.

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 21:51:12 GMT

To summarize previous posts:

The following CCC's always or usually pull TU

JCPenney

Barclay's CC's (such as Juniper)

NationWide Bank (always, but sometimes EX also)

State Farm

Discover (often, but sometimes pulls EQ)

Message Edited by txjohn on 01-17-2010 01:51 PM

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 22:02:55 GMT

I'd take Discover off that list. Discover can actually pull any of the three CRB's and possibly more that one.

Re: TransUnion

DI — Sun, 17 Jan 2010 22:14:16 GMT

How about putting a freeze on your EX and EQ reports? That way, when you app, only those who pulls TU will successfully be able to retrieve the TU report only.

Message Edited by DI on 01-17-2010 04:14 PM

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 22:15:22 GMT

Discover pulled Experian for me.

With many ccc, what they pull depends on where you live. With some, it's completely random.

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 22:26:30 GMT

Much obliged to all.

Re: TransUnion

Anonymous — Sun, 17 Jan 2010 23:33:17 GMT

St. Louis, Missouri is where I live; what does geographical location

have to do with it? Are you serious? I don't know.

Re: TransUnion

DI — Mon, 18 Jan 2010 00:29:14 GMT

@Anonymous wrote:
St. Louis, Missouri is where I live; what does geographical location
have to do with it? Are you serious? I don't know.

I would like to know that too. But it's true! It does depends on what part of the U.S. one resides as to which report the creditor may pull

Re: TransUnion

Anonymous — Mon, 18 Jan 2010 00:37:34 GMT

@Anonymous wrote:
St. Louis, Missouri is where I live; what does geographical location
have to do with it? Are you serious? I don't know.

Very serious. It goes back to the days when the CRB's business had a regional emphasis.

Re: TransUnion

jaysdad2k — Mon, 18 Jan 2010 01:18:12 GMT

Discover pulled EX for me in VA, and only softs TU.

Re: TransUnion

Anonymous — Mon, 18 Jan 2010 01:49:42 GMT

jaysdad2k wrote:
Discover pulled EX for me in VA, and only softs TU.

Same pattern for me in FL, Discover seems to soft TU mainly wherever you live.

Re: TransUnion

smallfry — Mon, 18 Jan 2010 02:26:20 GMT

Barclays/Juniper might be the only creditor you can be nearly certain will pull TU regardless of where you live. You do notice the Truecredit hook on some of their cards don't you?

Re: TransUnion

Anonymous — Mon, 18 Jan 2010 02:30:10 GMT

@smallfry wrote:
Barclays/Juniper might be the only creditor you can be nearly certain will pull TU regardless of where you live. You do notice the Truecredit hook on some of their cards don't you?

+1. And I agree with your observation as well, including the prominent ads for the Visa Black Card.

Re: TransUnion

nothingman02 — Mon, 18 Jan 2010 04:36:41 GMT

Dont know your profile. But generally, and to summarize again..

UMB

Barclays

Hooters

State Farm

Nationwide

GEMB - JCPenny

Target

The above are TU pullers for sure.Below could vary with location.

Barclays also softs EX for some folks. Especially during CLIs and such.

Discover pulls TU and EQ usually and sometimes EX. As mentioned, depends on where you live. Usually, its TU up north and EQ down south. But off late, its hard to tell.

Wachovia also pulls TU sometimes. Or both EQ and TU.

Walmart - same as above (wachovia)

Oh...and First Premier are strong TU pullers as well if you want to give them a shot.