topic Re: credit cards in Credit Cards

credit cards

Anonymous — Mon, 21 Mar 2011 22:37:09 GMT

Which credit card company just pulls trans union...trying to bring my score up @636now.

Re: credit cards

vish1 — Mon, 21 Mar 2011 23:44:57 GMT

discover & US Bank

Re: credit cards

Datx — Mon, 21 Mar 2011 23:48:01 GMT

@vish1 wrote:
discover & US Bank

They may pull TU in your area, but may not for others.

Discover pulls EQ and US Bank pulls EX where im located.

Barclays is a known TU puller for most areas, if not all.

Re: credit cards

Anonymous — Mon, 21 Mar 2011 23:48:06 GMT

Barclay

Re: credit cards

scottwagnon — Tue, 22 Mar 2011 05:11:07 GMT

yes! perfect question for me to answer. juniper/barclays, merrick (hooters mastercard), gemb bank/merchant (amex/disc/visa/mc) cards. all exclusive transunion pulls.

Re: credit cards

Anonymous — Tue, 22 Mar 2011 14:54:27 GMT

@MyCreditStinks wrote:
@vish1 wrote:
discover & US Bank
They may pull TU in your area, but may not for others.

Discover pulls EQ and US Bank pulls EX where im located.

Barclays is a known TU puller for most areas, if not all.

Same here.

Re: credit cards

Anonymous — Tue, 22 Mar 2011 14:55:55 GMT

@scottwagnon wrote:
yes! perfect question for me to answer. juniper/barclays, merrick (hooters mastercard), gemb bank/merchant (amex/disc/visa/mc) cards. all exclusive transunion pulls.

For me and DH, all GEMB merchant cards have been Equifax pulls. We're in the western US.

Re: credit cards

Anonymous — Tue, 22 Mar 2011 15:02:31 GMT

@Anonymous wrote:
@Which credit card company just pulls trans union...trying to bring my score up @636now.

Hi budroe,

I just want to check in on your thinking to make sure you're getting helpful responses.

Where is your TU FICO score now?

And is there something specific that makes you want to shoot for 636?

Now, the best way to raise your score may or may not be to open additional revolving accounts. The best way to plan how to accomplish a score increase is to pull your TU FICO here ( you may have already done that?) and then check out what's listed under "What's Helping your FICO Score" and "What's Hurting Your FICO Score."

If you have pulled your TU FICO here, what's listed under the "What's Hurting Your FICO Score?" If you share that info, you'll get some excellent feedback on how to increase your score.

Also remember that your card holders will soft your credit reports, and may soft other reports than the one they pulled to give you credit. So once you have an account with anyone, they are free to see (via a soft pull) the other reports as well.

Hope that's helpful!

Re: credit cards

Anonymous — Tue, 22 Mar 2011 15:23:22 GMT

My Tu is 636 now,my EXP is 567 and my EQ is 550, ...I'm looking to take advantage of my TU since it is higher.

Thanks for all the help.

Re: credit cards

Anonymous — Tue, 22 Mar 2011 15:25:43 GMT

@Anonymous wrote:
My Tu is 636 now,my EXP is 567 and my EQ is 550, ...I'm looking to take advantage of my TU since it is higher.
Thanks for all the help.

Where are you pulling your scores from?

Re: credit cards

Anonymous — Tue, 22 Mar 2011 15:42:13 GMT

free score.com

Re: credit cards

Anonymous — Tue, 22 Mar 2011 15:57:49 GMT

@Anonymous wrote:
free score.com

I hate to be the bearer of bad news but none of those scores are FICO scores. In fact there is no 3 in 1 monitoring service at this time that offers FICO scores. So your actual FICO's might be higher or lower than these scores.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.

At one time you could also purchase your Transunion score at www.transunioncs.com but that site seems to have stopped doing that. Equifax will still sell you an EQ FICO score but you have to look very hard to find it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: credit cards

Anonymous — Tue, 22 Mar 2011 19:53:31 GMT

MY Fico said I don't have a score because I need at least 6 months worth of credit and I only have 3months,Who can I get credit from that only pulls for trans union,since it seems like I have no credit.

Re: credit cards

Anonymous — Tue, 22 Mar 2011 20:04:09 GMT

@Anonymous wrote:
MY Fico said I don't have a score because I need at least 6 months worth of credit and I only have 3months,Who can I get credit from that only pulls for trans union,since it seems like I have no credit.

A lender won't be able to pull a score from any of the CRA's because of your very short credit history. In 3 more months you'll be able to generate a FICO score.

Different lenders pull from different CRA's in different parts of the country. It might be very hard to find one that just pulls TU.

In the meantime I would find a local CU (Credit Union) and go in and talk to someone face to face about your situation and see if they can help you.

Re: credit cards

Anonymous — Wed, 23 Mar 2011 02:33:12 GMT

Well I found out that my fico score with equifax is 494 and with creditscore.com is 550,I just will have to be patience.

Thank you.

Re: credit cards

Anonymous — Wed, 23 Mar 2011 04:33:28 GMT

@Anonymous wrote:
Well I found out that my fico score with equifax is 494 and with creditscore.com is 550,I just will have to be patience.
Thank you.

Now I'm confused. In your last post you said MY Fico said I don't have a score because I need at least 6 months worth of credit and I only have 3months but just now you said you got an EQ score.

Recently Equifax started selling their own "Equifax credit score" which is NOT an EQ FICO score. EQ still sells a FICO score on their site but they make it very hard to find. If the score you bought there does not have the word "FICO" anywhere then you have one of their FAKO scores.

I suspect that's what you got because I think (could be wrong) that if you don't have a long enough history to generate a FICO score here then the same thing would apply when trying to get a FICO score from EQ.

Re: credit cards

Anonymous — Wed, 23 Mar 2011 04:46:02 GMT

No I said that I tried buying a TU score from my fico and they told me that TU doesnt show any credit, they cant give me a score ,I just took out a secured credit loan from my credit union 3 months ago,i then bought a EQ SCORE FROM MY FICO,because DIFFRENT CREDITOR ARE reporting the credit I do have so thats why I have a EQ score.I purchased that here with myfico.

Re: credit cards

Anonymous — Wed, 23 Mar 2011 05:11:30 GMT

@Anonymous wrote:
No I said that I tried buying a TU score from my fico and they told me that TU doesnt show any credit, they cant give me a score ,I just took out a secured credit loan from my credit union 3 months ago,i then bought a EQ SCORE FROM MY FICO,because DIFFRENT CREDITOR ARE reporting the credit I do have so thats why I have a EQ score.I purchased that here with myfico.

I apologize for my confusion. That happens sometimes after reading several hundred posts in a day.

At least you know what one of your scores is.

Re: credit cards

Anonymous — Sat, 02 Apr 2011 17:32:46 GMT

Good Afternoon,How do I start to establish credit with my Business Credit ,without my personal credit..I have been in Business for 1 YEAR.

Re: credit cards

Anonymous — Sat, 02 Apr 2011 17:46:54 GMT

I am in Ga and discover pulled Equifax

Barkleys pulled TU