topic Re: Credit Cards that pull Experian??? in Credit Cards

Credit Cards that pull Experian???

Anonymous — Sun, 06 Mar 2011 00:44:10 GMT

Can anyone tell me which credit cards pull EX? That is my best score until the baddies fall off TU the next few months and I'd like to get ride of my sub prime card from FirstPremier...Tired of all the fees and low limits, I have a CAP1 card with a $4000 CL and a ORCHARD with 1,100 CL...Total Utilization of all card is 50%, but been afraid to apply because of my TU score of 678 when my EX is 731

Thanks for you help

Re: Credit Cards that pull Experian???

DI — Sun, 06 Mar 2011 00:57:38 GMT

American Express and Bank of America are two that I know of for sure.

Re: Credit Cards that pull Experian???

Anonymous — Sun, 06 Mar 2011 01:00:08 GMT

@Anonymous wrote:
Can anyone tell me which credit cards pull EX? That is my best score until the baddies fall off TU the next few months and I'd like to get ride of my sub prime card from FirstPremier...Tired of all the fees and low limits, I have a CAP1 card with a $4000 CL and a ORCHARD with 1,100 CL...Total Utilization of all card is 50%, but been afraid to apply because of my TU score of 678 when my EX is 731

Thanks for you help

Macy's, Bank of America and AmEx have all pulled Experian for me. A good place to see for sure is at whogavemecredit.com.

I think one problem you may have even with Experian is your utilization. Some creditors might think 50% is too high.

Re: Credit Cards that pull Experian???

vish1 — Sun, 06 Mar 2011 02:43:38 GMT

Chase has always pulled experian for me. PSECU also pulls experian.

Re: Credit Cards that pull Experian???

laz98 — Sun, 06 Mar 2011 04:48:50 GMT

american express & bank of america pull equifax here.

Re: Credit Cards that pull Experian???

armymom — Sun, 06 Mar 2011 15:41:44 GMT

Chase, Citi, Amex and BofA pulled EX on me.

Re: Credit Cards that pull Experian???

DI — Sun, 06 Mar 2011 15:45:24 GMT

The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.

Re: Credit Cards that pull Experian???

Walt_K — Sun, 06 Mar 2011 18:31:52 GMT

@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.

I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.

Re: Credit Cards that pull Experian???

DI — Sun, 06 Mar 2011 19:50:33 GMT

@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.

If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.

Re: Credit Cards that pull Experian???

Walt_K — Sun, 06 Mar 2011 19:54:53 GMT

@DI wrote:
@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.
If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.

Thanks for clarification. As a followup, if you deny permission for the other two, is the inquiry on EX stuck?

Re: Credit Cards that pull Experian???

DI — Sun, 06 Mar 2011 19:58:40 GMT

@Walt_K wrote:
@DI wrote:
@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.
If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.
Thanks for clarification. As a followup, if you deny permission for the other two, is the inquiry on EX stuck?

I don't think its mandatory to deny someone for not being able to pull all three reports. I may be wrong, but if Cap 1 is able to get atleast one report that may do it. They can soft pull the other reports regardless if a freeze is on the other reports.

Re: Credit Cards that pull Experian???

DI — Sun, 06 Mar 2011 19:59:53 GMT

@Walt_K wrote:
@DI wrote:
@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.
If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.
Thanks for clarification. As a followup, if you deny permission for the other two, is the inquiry on EX stuck?

They Inquiry will stick if they pulled EX.

Re: Credit Cards that pull Experian???

Anonymous — Sun, 06 Mar 2011 23:52:57 GMT

@DI wrote:
@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.
If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.

I haven't seen where you can unfreeze Experian for free. Got a link?

Re: Credit Cards that pull Experian???

DI — Mon, 07 Mar 2011 01:30:07 GMT

You can temporarily unfreeze reports for free with your PIN. Maybe thing have changed and not with all 3 CRAs But there is a charge to lift the freeze completely.

Re: Credit Cards that pull Experian???

Anonymous — Mon, 07 Mar 2011 02:21:38 GMT

@DI wrote:
You can temporarily unfreeze reports for free with your PIN. Maybe thing have changed and not with all 3 CRAs But there is a charge to lift the freeze completely.

Experian charges $10 to temporarily lift a freeze.

You can lift a TU or EQ freeze for free if you subscribe to their credit monitoring service. If not, it's also $10.

Maybe you live in a specific state which mandates no fee.

Re: Credit Cards that pull Experian???

Anonymous — Mon, 07 Mar 2011 22:29:58 GMT

@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.

Just a friendly reminder--

You can attempt to 'herd' prospective lenders towards the credit report of your choosing by freezing credit reports, but it can certainly backfire. The accounts of lenders refusing to open accounts when there are frozen reports, or the even less desirable scenario, where accounts get opened, and then quickly closed because the lender, with permissible purpose, softed those frozen reports tend to be quickly forgotten. You could end up with an INQ, a new account ding, and no open line of credit.

Sadly, lots of people have experienced closures due to adverse information found on frozen reports that were softed after opening. So, just take care to be careful if you're doing this, and you have baddies that the prospective lender might otherwise decline you for. Your current lenders, and even CAs can still get to your reports, with permissible purpose when they're frozen.

And, the CRAs get to make a buck off of you anyway...

Re: Credit Cards that pull Experian???

Anonymous — Tue, 08 Mar 2011 02:03:07 GMT

@DI wrote:
@Walt_K wrote:
@DI wrote:
The best thing to do is put a freeze on your EQ and TU and start apping away. Those who try to pull anything but EX won't have success.
I have a question about this strategy for cards that pull multiple reports, e.g., capital one. Since capital one pulls from all three, would they pull EX but then deny your application because they weren't able to pull EQ and TU thus resulting in a wasted inquiry on EX? If so, you need to be aware of any companies that would pull EX as well as any of the other reports because you'd burn an inquiry by applying for those CCs. Hopefully someone can clarify.
If they attempt to pull all 3 reports you have a choice to give them pemission. You'd have to give them your PIN number or temporarily unfreeze the report(s) at no cost. But if they need to pull all three reports, I'd think twice about banking with them. Capital is the only bank that I've heard pull all 3 reports.

Amex pulled all three when I tried to do a recon... But I know Barclays pulls Exp for East Coasters.

Re: Credit Cards that pull Experian???

DI — Tue, 08 Mar 2011 02:10:41 GMT

I only froze my reports in 2009 before an app spree so that all the inquiries can hit my EQ. I wasn't hiding any baddies. I had 0 inquiries with EQ in 2009 after all my inquiries got deleted. Come September, I'll hove 0 inquiries with EX and TU and 3 inquiries with EQ. I still have my TU and EX reports frozen. Had I kept the freeze on my EQ reports the situation with State Farm would not have occured. I like the freeze option.

Re: Credit Cards that pull Experian???

Anonymous — Tue, 08 Mar 2011 11:22:51 GMT

@DI wrote:
I only froze my reports in 2009 before an app spree so that all the inquiries can hit my EQ. I wasn't hiding any baddies. I had 0 inquiries with EQ in 2009 after all my inquiries got deleted. Come September, I'll hove 0 inquiries with EX and TU and 3 inquiries with EQ. I still have my TU and EX reports frozen. Had I kept the freeze on my EQ reports the situation with State Farm would not have occured. I like the freeze option.

This is a common misconeption about credit freezes. You current creditors, and even CAs with permissible purpose can still pull hard INQs, even on "frozen" reports.