topic Re: What credit card approves with Equifax but reports to all 3 bureaus? in Credit Cards

What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Wed, 23 Mar 2011 19:46:22 GMT

I'm in a bit of a jam. I just graduated, moved from Alabama to Indiana and I wanted to check on my credit and perhaps get a few more credit accounts before trying to buy a house next year. I have no debt (other than some money on a credit card), I have bought my car with cash, generally, I buy everything in cash. I only have one credit card from my credit union which I found out last week only reports to Equifax (very big down in the South). SO my TransUnion and Experian credit reports are completely empty. I now have a FICO score of 728 on Equifax and less than 20% debt on a $4000 credit limit. I have had my credit card for almost 3 years.

What credit card can I get that will use my Equifax to get me approved but will report to all 3 bureaus so I start building my credit on Experian and TransUnion?

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Wed, 23 Mar 2011 20:00:01 GMT

Try to get in with a local credit union. Nearly all CUs pull EQ.

I would call/write your current CU and see if it should be reporting to all 3 credit bureaus, and ask if they will report to the other two. Worth a shot.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Wed, 23 Mar 2011 20:04:33 GMT

I called my credit union in Alabama. They said it is a policy to report only to Equifax as its used most in the south. They can't report to the other two because it would cost a fee to do that.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Wed, 23 Mar 2011 20:11:59 GMT

That must be a really small CU. Try getting in with a CU near where you're at now and apply for a credit card. Do you know your EQ score? It may be difficult, as you have an extremely limited history, even on EQ.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Tazman81 — Wed, 23 Mar 2011 20:17:11 GMT

I wonder if disputing with TU and EX the fact the card is NOT reporting on those reports may help. You could always give them a call and see what they say. Might be able to provide them the card data and they contact the credit union directly to ask that it be reported.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

aftermath — Wed, 23 Mar 2011 21:03:11 GMT

@Tazman81 wrote:
I wonder if disputing with TU and EX the fact the card is NOT reporting on those reports may help. You could always give them a call and see what they say. Might be able to provide them the card data and they contact the credit union directly to ask that it be reported.

Good idea. But I would like to add to this. Make sure though when you dispute it, that your balance is $0 as most likely if TU and EX do verify and report it, the CU will never update it again as their policy is to only report to EQ.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

vish1 — Wed, 23 Mar 2011 21:07:28 GMT

@Tazman81 wrote:
I wonder if disputing with TU and EX the fact the card is NOT reporting on those reports may help. You could always give them a call and see what they say. Might be able to provide them the card data and they contact the credit union directly to ask that it be reported.

Is this possible? My thought is that the only thing you can dispute is wrong info, not missing info. IMO, lenders are not required to report, they are only required to report correctly if they report. I can be wrong though.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

valley_man0505 — Wed, 23 Mar 2011 21:27:12 GMT

@Anonymous wrote:
Try to get in with a local credit union. Nearly all CUs pull EQ.

I would call/write your current CU and see if it should be reporting to all 3 credit bureaus, and ask if they will report to the other two. Worth a shot.

Not necessarily. This is very dependent on geographic location. I have yet to find a CU in my area that doesn't pull TU.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

laz98 — Wed, 23 Mar 2011 22:30:49 GMT

@valley_man0505 wrote:
@Anonymous wrote:
Try to get in with a local credit union. Nearly all CUs pull EQ.

I would call/write your current CU and see if it should be reporting to all 3 credit bureaus, and ask if they will report to the other two. Worth a shot.
Not necessarily. This is very dependent on geographic location. I have yet to find a CU in my area that doesn't pull TU.

it does say "nearly"

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 24 Mar 2011 04:07:00 GMT

@valley_man0505 wrote:
Not necessarily. This is very dependent on geographic location. I have yet to find a CU in my area that doesn't pull TU.

Both my local CU's have pulled Experian exclusively.

I recommend Alliant CU (available nationwide) - they pull EQ.

And I still like Cabela's - which pulls EQ.

All my GEMB merchant cards pull EQ, but I'm not a super fan of merchant cards unless they serve a useful purpose i.e. you shop there a lot and they give discounts or some such.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

valley_man0505 — Thu, 24 Mar 2011 18:35:18 GMT

@Anonymous wrote:
Both my local CU's have pulled Experian exclusively.

I recommend Alliant CU (available nationwide) - they pull EQ.
And I still like Cabela's - which pulls EQ.
All my GEMB merchant cards pull EQ, but I'm not a super fan of merchant cards unless they serve a useful purpose i.e. you shop there a lot and they give discounts or some such.

Interesting. Cabelas pulled EX for me. They pulled EX when I first opened it. Then, a few months ago, there was a fraud alert and they said they were going to close that account and open a new one. So, they closed the account, and then they pulled EX again and denied me the new account I think they just made up the fraud issue (it was for a $2 cup of coffee somewhere) to give them an excuse to close my account.

Also, GEMB pulled TU for me when I applied for a Lowe's CC. I think they pulled EQ when I got my Wal Mart CC, though.

Ultimately, I don't think there is any rhyme or reason to who pulls what when. Local credit unions appear pretty easy to pattern, but geographic location seems to determine what they pull.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 24 Mar 2011 19:22:47 GMT

I guess that narrows my list down to Alliant.

So, OP is in Indiana. Anyone from that area that knows who pulls EQ???

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 03 Nov 2011 16:23:26 GMT

Thanks guys. I eneded up getting an Orchard card while in Alabama so they only pulled my EQ. they gave me a small balance of $300 but 6 months later, my Trans Union is up and at 705. Now I think i can go on to a bigger (and BETTER) card.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 03 Nov 2011 17:16:34 GMT

Congrats gabrielle!

Re: What credit card approves with Equifax but reports to all 3 bureaus?

CS800 — Thu, 03 Nov 2011 17:54:41 GMT

Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 03 Nov 2011 18:15:16 GMT

@CS800 wrote:
Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

This is 100% not true.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

CS800 — Thu, 03 Nov 2011 18:21:14 GMT

@Anonymous wrote:
@CS800 wrote:
Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

This is 100% not true.

Which part of the red sentence is not true?

Re: What credit card approves with Equifax but reports to all 3 bureaus?

hedgeclipper2 — Thu, 03 Nov 2011 18:24:39 GMT

@CS800 wrote:
@Anonymous wrote:
@CS800 wrote:
Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

This is 100% not true.
Which part of the red sentence is not true?

They don't exclusively pull EQ.

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Ms-Kato — Thu, 03 Nov 2011 18:28:34 GMT

@jthedges wrote:
@CS800 wrote:
@Anonymous wrote:
@CS800 wrote:
Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

This is 100% not true.
Which part of the red sentence is not true?
They don't exclusively pull EQ.

Discover pulls EQ and Trans..This happened lastnight.

Recent EQ Inquiries

Equifax - Inquiry

Inquiries are made when creditors request a copy of your credit report. If you did not authorize this inquiry, contact the creditor as this may be a sign of fraud.

Company Contact Information:

DISCOVER FINANCIAL SERVICES
2500 Lake Cook Rd,
Riverwoods, IL 600153851

TransUnion - Inquiry

Inquiries are made when creditors request a copy of your credit report. If you did not authorize this inquiry, contact the creditor as this may be a sign of fraud.

Company Contact Information:

DISCOVER FIN
2500 LAKE COOK RD,,
RIVERWOODS, IL 60015

Re: What credit card approves with Equifax but reports to all 3 bureaus?

Anonymous — Thu, 03 Nov 2011 18:28:55 GMT

@CS800 wrote:
@Anonymous wrote:
@CS800 wrote:
Two of the CU here that I'm a member of pull exclusively EX

Discover pulls exclusively EQ I believe and they pull the new version of EQ FICO08.

This is 100% not true.
Which part of the red sentence is not true?

Discover does not pull exclusively from any of the bureau's. They have been known to pull bureau's more by region, but this theory is also not full proof.