topic CC's that pull exclusively (or mostly) EQ in Credit Cards

CC's that pull exclusively (or mostly) EQ

Brusilov — Sat, 09 Apr 2011 15:42:35 GMT

I'm wondering other than Penfed and NFCU...are there some others that pull only EQ? I'm located in MN and am looking to apply once my score hits around 650-675-ish.

Re: CC's that pull exclusively (or mostly) EQ

DI — Sat, 09 Apr 2011 15:51:55 GMT

BARCLAYS

Chase

Citi

Discover

HSBC

Nordstrom

Sears

State Farm

Re: CC's that pull exclusively (or mostly) EQ

Brusilov — Sat, 09 Apr 2011 15:59:19 GMT

Thanks for the list! It looks like in the Credit Pulls Database Citi pulls exclusively EQ for MN. Do you think it'd be reasonable to apply for one of their cards (Citi Forward?) in the high 600s, or better to just wait? In about 10 months a couple major baddies will be dropping off my report entirely.

Re: CC's that pull exclusively (or mostly) EQ

DI — Sat, 09 Apr 2011 16:01:26 GMT

@vonmannstein wrote:
Thanks for the list! It looks like in the Credit Pulls Database Citi pulls exclusively EQ for MN. Do you think it'd be reasonable to apply for one of their cards (Citi Forward?) in the high 600s, or better to just wait? In about 10 months a couple major baddies will be dropping off my report entirely.

You should wait until your baddies drops so that you can get approved with high limits and low rates.

Re: CC's that pull exclusively (or mostly) EQ

JagerBombs89 — Sat, 09 Apr 2011 16:34:33 GMT

@DI wrote:
BARCLAYS
Chase
Citi
Discover
HSBC
Nordstrom
Sears
State Farm

In my experience, Chase has pulled EX for inital application and another for a CLI.

Re: CC's that pull exclusively (or mostly) EQ

DI — Sat, 09 Apr 2011 16:36:10 GMT

@JagerBombs89 wrote:
@DI wrote:
BARCLAYS
Chase
Citi
Discover
HSBC
Nordstrom
Sears
State Farm
In my experience, Chase has pulled EX for inital application and another for a CLI.

I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

Re: CC's that pull exclusively (or mostly) EQ

Anonymous — Sat, 09 Apr 2011 18:41:11 GMT

I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

Just remember that once you open an account with any creditor, they can (and will, and do) soft you anywhere they want.

Those soft pulls can result in AA, such as CLD's and closed accounts.

Re: CC's that pull exclusively (or mostly) EQ

vish1 — Sat, 09 Apr 2011 20:41:06 GMT

@DI wrote:
@JagerBombs89 wrote:
@DI wrote:
BARCLAYS
Chase
Citi
Discover
HSBC
Nordstrom
Sears
State Farm
In my experience, Chase has pulled EX for inital application and another for a CLI.
I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

Frozen reports is a different game but normally Chae is not exclusive EQ. They pulled EX for me everytime.

Barclays? Isn't Barclays primarily TU? I can be wrong...

Re: CC's that pull exclusively (or mostly) EQ

Brusilov — Sat, 09 Apr 2011 21:04:44 GMT

Well for me personally I let 2 cards go to collections - both under Chase (Chase & Providian -> Wamu -> Chase) so I think I may have burned bridges on that one.

I'm not too worried about softs on my other 2 reports, but my EQ seems to be ahead of the others in FICO score. It is something I should keep in mind, though.

Re: CC's that pull exclusively (or mostly) EQ

wajj — Sat, 09 Apr 2011 21:32:12 GMT

@vish1 wrote:

@DI wrote:
@JagerBombs89 wrote:
@DI wrote:
BARCLAYS
Chase
Citi
Discover
HSBC
Nordstrom
Sears
State Farm
In my experience, Chase has pulled EX for inital application and another for a CLI.
I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.

Frozen reports is a different game but normally Chae is not exclusive EQ. They pulled EX for me everytime.

Barclays? Isn't Barclays primarily TU? I can be wrong...

Barclay's pulled TU for me (twice on 2 different cards). Citi pulled EX (refused to process my application while EX was frozen). DIscover pulled TU for me -- both the original app and for a large CLI I requested.

You can say that certain cards pull from certain CRAs but the fact of the matter is no one can ever say for certain what will be pulled when you apply.

Re: CC's that pull exclusively (or mostly) EQ

tntexans72 — Sat, 09 Apr 2011 22:05:30 GMT

If you wanna build some credit and available credit, you can try department store card. Nordstrom and Dillards pulled EQ.

Re: CC's that pull exclusively (or mostly) EQ

DI — Sat, 09 Apr 2011 22:19:32 GMT

@Anonymous wrote:
I have my EX and TU reports frozen, so if they want to give me credit they have no choice but to pull EQ.
Just remember that once you open an account with any creditor, they can (and will, and do) soft you anywhere they want.
Those soft pulls can result in AA, such as CLD's and closed accounts.

I'm not hiding anything. I just don't want any inquiries on my TU and EX reports. My reports all have the same information reporting minus the inquiries.

Re: CC's that pull exclusively (or mostly) EQ

nyqutie — Sat, 09 Apr 2011 23:16:25 GMT

As far as Chase they hard pulled my EQ (when I opened my checking, and savings) and applied for a credit card, (was denied for the credit card); but I've noticed soft pulls exclusively on TU over the life of my account thus far.

Re: CC's that pull exclusively (or mostly) EQ

Anonymous — Sun, 10 Apr 2011 02:55:30 GMT

Other than mortgages...I don't know of any creditor of mine that pulls EQ at all.

I have AMEX, Chase, HSBC, and Barclays right now and live in HI.

In fact, I would love to know the answer to the OP's question too as my EQ FICO is the highest becasue it does not reflect any recent inquiries at all!

Re: CC's that pull exclusively (or mostly) EQ

Anonymous — Sun, 10 Apr 2011 11:20:50 GMT

Barclay's always pulls TU for me.

Alliant CU and Cabelas are noted for pulling EQ; as are most GEMB cards (Walmart, Dillard's, JCPenneys....). BofA does for DH.

We live in Western U.S.

Re: CC's that pull exclusively (or mostly) EQ

Brusilov — Sun, 10 Apr 2011 16:55:41 GMT

Awesome! Looks like Newegg pulls only EQ.

Another card I was interested in was the Amazon store card/Visa - backed by Chase. Does anyone know if Chase blacklists and would that apply to their store cards?

Re: CC's that pull exclusively (or mostly) EQ

android01 — Mon, 11 Apr 2011 01:55:14 GMT

@vonmannstein wrote:
Thanks for the list! It looks like in the Credit Pulls Database Citi pulls exclusively EQ for MN. Do you think it'd be reasonable to apply for one of their cards (Citi Forward?) in the high 600s, or better to just wait? In about 10 months a couple major baddies will be dropping off my report entirely.

I am in MN and Citi pulled EX. They also softed my EX when they did an AR a few months back. About the only bank that I know that seems to pull EQ exclusively in MN is UsBank.

Re: CC's that pull exclusively (or mostly) EQ

Anonymous — Mon, 11 Apr 2011 13:44:28 GMT

Aw, you guys. All these mentions of MN are making me homesick. I love MN. Beautiful!!!!

Re: CC's that pull exclusively (or mostly) EQ

GreenThumb553 — Mon, 16 May 2011 12:03:18 GMT

I've had Barclay's pull from TU only.

Re: CC's that pull exclusively (or mostly) EQ

smc733 — Mon, 16 May 2011 13:49:48 GMT

@vonmannstein wrote:
Awesome! Looks like Newegg pulls only EQ.

Another card I was interested in was the Amazon store card/Visa - backed by Chase. Does anyone know if Chase blacklists and would that apply to their store cards?

The Visa card is a regular credit card, and the blacklist will apply to that card.

The Store Card is backed by GEMB.